What if I got a raise or changed jobs?
A raise is easy to picture and harder to place in a plan. What matters is how much extra actually reaches your account, the month it starts, whether it lasts, what the switch costs on the way — and whether the difference is saved, invested, or quietly absorbed by everyday spending.
What shapes the difference
- The change in what actually reaches your account, and the month the new figure starts.
- Whether the new level is permanent, and what growth you expect from it afterwards.
- One-off costs of switching, including any unpaid gap between leaving one job and starting the next.
- Bonuses, benefits and contributions that change with the role, in either direction.
- Whether the extra money is saved, invested, or absorbed by higher everyday spending.
The raise is only half of it
Keep the current job as the baseline and change only the income line in the copy. Same spending, same horizon — unless the new role genuinely changes them, in which case add that too and know that you did. If there is a gap between the two jobs, model it; a month without income moves the result more than most people expect.
Then run the same raise twice: once with the extra money invested every month, once with spending rising to meet it. The second version is what usually happens, and the gap between the two lines after ten years is the honest measure of what the raise was worth.
Questions worth testing
- How much of the increase actually reaches your account each month?
- Does an unpaid gap between the two jobs still leave the reserve intact?
- What happens to the plan if the extra money is absorbed by spending instead?
- How far does the earliest year you could stop working move?
How to read the result
Enter the net amount you expect to receive. Worthifi does not convert gross pay to net pay, apply payroll tax or insurance rates, or know your employer’s terms. Confirm the amount with your employer or a tax adviser. Bonuses and benefits count only if you add them. This is a planning illustration, not financial, tax, or career advice.
How it works in the app
A permanent income change updates your gross income from a chosen month, optionally with a new growth rate. Watch how your Could-stop-working year moves, and how much more you can invest each month.
- Tap “Change your income”.
- Choose “Permanent”, set the new gross yearly income, and pick the starting month.
- Check the change in Could stop working and investable cashflow.
Model this yourself