calculate POTOOS WEALTH TOOL
What is your salary hike really worth?
A salary hike feels like extra reward money today. But if that extra spending permanently becomes lifestyle spending, its long-term cost can be far larger than what you see on your monthly bank statement.
1 Enter Your Raise & Assumptions
Interactive
₹1,00,000
20%
50%
40 years
4%
RBI CPI inflation target reference: 4% baseline
10%
* Returns are illustrative assumptions for education only and not guaranteed.
2 Your Calculated Long-Term Cost
Live Output
New Monthly Salary After Hike
₹1,20,000
Monthly Hike
₹20,000
Lifestyle Spent
₹10,000
Invested Portion
₹10,000
Cumulative Lifestyle Cash Outflow
Total money spent over period (with inflation)
₹1.16Cr
Opportunity Cost of Lifestyle Amount
If that lifestyle money was invested instead
₹6.32Cr
Potential Wealth From Invested Portion
Value built from remaining raise
₹6.32Cr
Hike Allocation Split
50% Lifestyle • 50% Investment
3. Compare 3 Allocation Scenarios
Click any scenario to load it above
Lifestyle First
75% Life
75% lifestyle upgrade • 25% invested
—
Potential future wealth built
Balanced Growth
50% Life
50% lifestyle upgrade • 50% invested
—
Potential future wealth built
Wealth First
25% Life
25% lifestyle upgrade • 75% invested
—
Potential future wealth built
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