🎓 How can I manage student debt and save with guaranteed raises?

Finn

This calculator is a handy tool for deciding how to split a future salary increase between student loan repayment and investing. It builds nicely on a standard debt-versus-investing model by adding salary growth and tax estimation to find your true net raise. As a quick caveat before you start planning your budget, the math applies your target salary from month one. If your raise is still a few years away, your actual payoff time will be longer and your interest saved will be lower than shown here, so you'll want to keep that timeline in mind.

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