Education Path & ROI

Teacher Salary Schedule & Lifetime Earnings Projector

Turn a step-and-lane schedule into a lifetime earnings projection. See exactly how step advancement and lane changes compound into retirement โ€” including the value of earning your master's degree.

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Your Schedule & Starting Point

Choose a preset schedule or enter your own. Presets are illustrative only โ€” use your district's actual grid for accurate results. Source: BLS OEWS 2025 state-level elementary teacher wage percentiles (labeled).

Your actual salary at this step and lane. Overrides preset grid.
Dollar increase per step of service (from your district grid).

Planned Lane Changes (Optional)

Model up to 2 lane changes โ€” e.g., earning a master's degree or earning 30 more credits.

Year from now when you move to the new lane (0 = no change).
Annual salary increase for moving to that lane (from your grid).

Lifetime Earnings Projection

Projected Lifetime Earnings
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Final-year salary (feeds pension FAS)
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Baseline (no lane changes)
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Lane-change lifetime uplift
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Average salary over career

Year-by-Year Salary Path

YearStepLane Annual SalaryBaseline (no change)ฮ” vs. Baseline
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Continue Your Analysis

๐ŸŽ“
Master's / Lane-Change ROI
AL-126 ยท Is the degree worth it? NPV net of tuition, time, and TLF.
๐Ÿ›๏ธ
Teacher Pension Estimator
AL-128 ยท Use your projected final salary (FAS) to estimate pension income.
๐Ÿ“‹
PSLF Payment Counter
AL-120 ยท Teachers qualify โ€” track forgiveness progress.

Export Results

Downstream: Master's Lane ROI (AL-126) ยท Pension Estimator (AL-128) ยท PSLF Counter (AL-120)