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#38 · AL-43 · Compensation & Offers

Early Career Net Worth
Trajectory Engine

Model your 10-year net worth across three saving scenarios — aggressive, on-track, and under-saving. See when student debt gets paid off, when your portfolio crosses zero, and the dollar cost of delaying savings by even one year.

Data: IRS 2026 tax brackets (projected) · SS/Medicare 7.65% employee rate · 7% real investment return (historical S&P 500 avg, Damodaran 2024)

Income & Savings STEP 1
US median: ~3.5–4% incl. merit
Scenarios: ±10 pp around this
Student Debt STEP 2
Enter 0 if debt-free
Federal grad rate 2024–25: 7.05%
Standard 10-yr plan on $35k ≈ $375/mo
2026 limit: $23,500/yr
Common: 100% match
e.g. 100% match up to 4% = free 4%
7% = historical S&P 500 real avg
Aggressive saver (+10pp)
Your scenario (base)
Under-saver (−10pp)
10-Year Net Worth Projection
Key Milestones — Base Scenario
Year-by-Year Detail
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