Free tool
A $10,000 raise doesn't put $10,000 in your pocket. See what actually lands in your checking account — and what it's worth if you invest it.
Uses 2025 federal brackets and the standard deduction, plus Social Security and Medicare. State tax is a flat approximation — close enough for comparing offers.
You were already living on your old paycheck. If you invest just half of the monthly increase ($256/mo) at a 7% average return, that's what the raise is worth in a decade — and you still get to spend the other half.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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