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Incolator/Job offers & pay/Raise or Job Hop

Job offers & pay · 2 min

Raise or Job Hop

The folk wisdom says switchers out-earn stayers, and the folk wisdom is usually right — but by how much, at your numbers, is a calculation, not a vibe. This instrument compounds both paths over a decade: the loyalty raise every year against the hop bump every few, with the between-jobs gap months honestly charged to the hopper.

Currency-agnostic · symbol only Rules version 1.0 Reviewed July 2026

Your details

Σ/ yr
% / yr

The realistic figure, not the promised one.

%

Market moves for switchers commonly land 10–25%.

years
months

Unpaid time between roles — the hop's honest transaction cost.

years

Everything is calculated in your browser as you type. Nothing you enter is sent or stored, and no account is needed.

Your result

The market pays the mover.

+$328,503

the hop path's cumulative lead over 10 years

Two careers, one ledger

Stay & raiseHop the market
Salary at the horizon
Cumulative earnings
Gap months paid
The decade's difference

Three bump sizes, same decade

If each hop paysCumulative leadFinal salary gap

What moves this result

Worth checking

Equity vesting is the stayer's hidden weapon: unvested grants forfeited at each hop can erase the bump entirely. Add the forfeited paper to the gap months before believing the lead.

Reputation compounds differently: three two-year stints read fine; six one-year stints read like a pattern. The bump shrinks when the CV starts explaining itself.

The stay path has its own upside this model can't see — the internal promotion that doubles the raise, the trust that becomes a title. Hop math prices the market; it can't price the room.

Common questions

Do job hoppers really earn more than people who stay?
At typical numbers, yes: an 18% bump every three years against 4% annual raises compounds to a cumulative six-figure lead over a decade, even after charging half a month of gap per hop. The size of the lead is what this instrument computes for your exact figures.
How often should I change jobs to maximise earnings?
The arithmetic favours a hop whenever the bump exceeds the raises you'd collect over the same interval — at 18% versus 4%, roughly every three to four years. Hop faster and gap months plus a jumpy CV start eating the lead; the scenario table shows the sensitivity.
What does staying at one company cost in salary?
The compounding gap between your internal raise and the market's price for switchers. At a 4% raise against 18% hops every three years on $120,000, staying costs roughly $186,000 of cumulative earnings over ten years — the loyalty discount, printed.
How this is calculated

Everything below is calculated from your inputs. Nothing is fetched, nothing is looked up.

stay: salary_t = salary × (1+raise)^t hop: salary jumps ×(1+bump) every k years, raises between each hop charges (gap/12) of that year's salary lead = Σ hop_earnings − Σ stay_earnings

The gauge reads the hop path's cumulative earnings as a share of the stay path's, parity at 100%. Both paths use net salary and identical raise behaviour between hops, so the only differences priced are the bumps and the gaps — the two terms the decision actually turns on.

Limitations. Equity, pensions, bonuses and seniority premiums are outside; so is the risk that a hop lands badly. The model prices the salary mechanics of the folk wisdom, nothing softer.