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Lifestyle Inflation Calculator

Where do raises really go? Spoiler: they vanish. See how spending creep quietly eats your income growth.

Money Lost to Lifestyle Inflation
$0/year
That could be building your wealth instead
Before the Raise
After the Raise

Where Did Your Raise Go?

0% (All to savings)50%100% (All spent)
50% inflated

10-Year Impact (at 7% returns)

Wealth Comparison Over Time

Common Lifestyle Inflation Culprits

How to Beat Lifestyle Inflation

  • 50% Rule: Save at least 50% of every raise
  • Automate: Increase 401k/savings the day you get a raise
  • Wait 30 days: Before any new recurring expense
  • Track monthly: Compare spending month-over-month
  • Question upgrades: Do you need a nicer car, or do you want one?