Will your salary keep up
with inflation?

This tool estimates whether your gross salary will keep pace with inflation in real after-tax terms. It models salary raises, inflation, payroll deductions and lifestyle cost growth over the projection horizon.

• Start with your monthly gross salary, then reduce it by taxes and other deductions to get starting purchasing power.
• Raise amounts are drawn from a normal distribution using your expected raise mean and volatility, and are applied at the chosen frequency.
• Inflation is also drawn from a normal distribution, producing a cumulative price index that converts nominal salary into real value.
• Lifestyle spending grows separately at the lifestyle inflation rate to show whether your real salary can cover rising personal costs.
• The output shows median real salary, the probability of keeping up with starting purchasing power, and the final-year distribution across 5,000 Monte Carlo runs.