Spending your raise is the most expensive habit you have.
Enter your raise and what fraction you spend on lifestyle. See the compounded wealth you sacrifice.
📐 Verified math
⚡ Instant results
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Your Parameters
Live
The Raise
Your Profile
Wealth Lost to Lifestyle Inflation
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calculating…
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What This Really Means
Adjust the sliders to see your personalised analysis.
Full Invest vs Partial
Full invest
Partial invest
Full Breakdown
Annual raise
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Lifestyle spend
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Amount invested
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Wealth built (partial)
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Wealth built (full invest)
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Cost of lifestyle inflation
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Common Questions
What is lifestyle inflation?
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The tendency to increase spending as income rises, leaving savings rates unchanged. A 10% raise spent entirely on a nicer car and apartment = 0% wealth gain.
What's the rule of thumb?
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Save at least half of every raise. The rest can fund lifestyle improvements. This tool shows the exact cost of any split.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.