A bigger paycheck does not always mean more buying power. See whether your annual raise actually beats inflation — or whether you are getting poorer while earning "more".
Real value = nominal salary adjusted for cumulative inflation. If it falls below your starting salary, your raises are losing to inflation. Educational tool, not financial advice.
Most people track the nominal number: the figure on the payslip. But what matters is the real value — what that money actually buys. If prices rise faster than your raise, your real salary shrinks even as the nominal number grows. That is why a raise can feel like a pay cut.
Over several years the gap compounds. The calculator shows both numbers so you can see the real story — and decide whether to push for an inflation-linked raise or move some savings into assets that hold value.
Because if the raise is below inflation, the real buying power of your salary falls even though the number rises.
Aim for raises above inflation, and shelter savings in inflation-resistant assets. See our Gold vs. Inflation analysis.