Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moCombine annual raises, promotion bumps, and job-hop jumps. See your salary trajectory and lifetime earnings.
Avg annual raise (BLS)
~3–4%
Avg job-change bump
10–20%
Career income peak age
45–54
Lifetime earnings (median college grad)
~$2.8M
Your income is the engine that funds every investment, every savings goal, every life decision. A 1% higher annual raise compounds into hundreds of thousands of additional lifetime dollars. This calculator stress-tests realistic scenarios so you can see what's actually possible.
Annual cost-of-living raises average 3–4%. Internal promotions typically deliver 10–15% bumps. Job changes average 10–20%, sometimes much higher in tech, finance, and skilled trades. The mix of these three — and how often you change roles — drives 80% of your lifetime earning power.
A calculator alone tells you the payment. PeakWorth tells you what that payment costs your retirement — and how every change ripples through the next 30 years of your finances.
3–4% for stay-in-role raises in normal economic times, with periodic promotion bumps every 3–5 years. Use 5–7% if you're in a high-growth field early in your career.
Yes — most career income growth comes from changing roles every 3–5 years, especially in the first 15 years of a career.
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Benchmarks
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2026 benchmarks + projection for your 30s.
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Net worth by age in California
2026 benchmarks adjusted for high cost of living.
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Net worth by age
Where you stand at every age, by percentile.
Benchmarks
Income by age
Median individual & household income at every age.
PeakWorth includes every loan calculator above — connected to your real income, expenses, and goals. Every number you change updates your live FI Age and lifetime projection.
