Job change
A Better Job Isn’t Always the One With the Bigger Paycheck.
Compare more than salaries. Explore what the decision could mean for your life.
- Test an income change. Compare a raise or a pay cut in Wealth Coach.
- Weigh the tradeoffs. Explore retirement and savings impacts alongside your personal priorities.
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Create your initial financial profile in as little as 3–5 minutes.
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Example: Comparing job options
Do you need the higher-paying job to afford the life you want?
Compare projected outcomes under two salary choices.
Scenario A$158,000 salary
Scenario B$100,000 salary
- Projected retirement age
- 6162
- College funding
- 292%94%
- Lowest accessible cash
- $75,000
- Vacation
- Fully funded
The lower salary still projects retirement at 62, with a vacation funded, but leaves a college funding gap.
College funding above 100% means projected resources exceed the stated funding goal. It is not a probability of success.
Compare the salaries. See what each choice means for your other goals.
Illustrative projections for a sample household. Your results will depend on your circumstances and assumptions.
The Decision
A job offer is more than a salary decision.
Maybe the new job pays more. Maybe it pays less but gives you something else you want. Maybe your bonus, benefits, commute, childcare costs, or future earning potential will change.
What matters is not simply whether your paycheck goes up or down. What does the job change mean for the rest of your financial life?
Wealth Coach helps you understand those tradeoffs before you make the decision.
See it in action
Your job change. Your numbers. Your financial future.
Model the income change you're considering and see how the new job could affect the rest of your financial life.
How Wealth Coach helps
Change the job. See what changes everywhere else.
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What happens if your income increases?
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What if you take a pay cut?
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What if one part of your compensation changes?
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What if your childcare expenses change too?
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What if the income change is temporary?
Wealth Coach lets you model the change and immediately see what happens across your financial future.
Retirement
Could the new income change when you can comfortably retire?
Accessible Cash
Will you continue to have enough money available for unexpected expenses and life changes?
College
Could the job change affect how much of your children's college costs you can fund?
Other Goals
What does the new income mean for everything else you're working toward?
Start by seeing where you stand. Free.
Your financial overview is free. Use Premium or an eligible trial to explore how this decision could affect your goals.
Free
No cost to see where you stand.
3–5 minutes
Create your initial financial profile in as little as 3–5 minutes.
Your own numbers
Personalized insight into how you’re tracking.
Build it once. Use it for every “what if?” that comes next.
See where you standWe built the financial decision tool we couldn’t find.
Wealth Coach combines highly customizable financial scenarios with approximately 250,000 interconnected formulas to help you understand how one decision could affect your other financial goals.
Explore your options anytime, directly from your phone.
Before you accept the offer
Run the decision.
Set up your financial picture and goals once. Then model the job change you're considering and see how it could affect the rest of your financial future.
Free to start.
Wealth Coach provides illustrative projections. Not financial advice.
Explore other decisions
The same financial picture works for your next question, from a new home to a change in income.
Explore all financial decisions