ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAG
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Note: Unless you start your career at MA+60 or PHD, no one will spend their entire career in one lane, so column totals are still meaningful, but also will not match anyone's actual salary path.
To customize this for yourself, choose File-->Make a Copy and then put your current salary schedule in columns B through H (or the number of lanes your district has).
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Today's Dollars
(salary schedule will change, but so will inflation, so this is all in today's dollars so you can understand purchasing power)		Investment Return
Percentage Assumption		7%
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Salary Schedule (today's dollars)
Selected Lanes		Yearly Savings Using Save Half/Spend Half of RaiseInvested Compounded Growth TotalSelected Yearly Difference in Compound Growth Total
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Year in
Career		BABA+15BA+30MAMA+15MA+30MA + 45/60
EDS		BABA+15BA+30MAMA+15MA+30MA + 45/60
EDS		BABA+15BA+30MAMA+15MA+30MA + 45/60
EDS		BABA+15BA+30MAMA+15MA+30MA + 45/60
EDS
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1$48,000$49,200$50,430$51,691$52,983$54,308$55,666$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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2$49,200$50,430$51,691$52,983$54,308$55,666$57,058$600$615$631$646$663$679$696$600$615$631$646$663$679$696
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3$50,430$51,691$52,983$54,308$55,666$57,058$58,484$1,215$1,246$1,277$1,309$1,342$1,375$1,409$1,857$1,904$1,951$2,000$2,050$2,102$2,154
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4$51,691$52,983$54,308$55,666$57,058$58,484$59,946$1,846$1,892$1,939$1,988$2,038$2,088$2,140$3,832$3,928$4,027$4,127$4,231$4,337$4,444
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5$53,629$54,970$56,345$57,753$59,198$60,677$62,194$2,815$2,885$2,958$3,031$3,108$3,185$3,264$6,915$7,088$7,266$7,447$7,635$7,825$8,020
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6$54,970$56,344$57,754$59,197$60,678$62,194$63,749$3,485$3,572$3,662$3,753$3,848$3,943$4,042$10,884$11,156$11,437$11,721$12,017$12,315$12,622
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7$56,344$57,753$59,198$60,677$62,195$63,749$65,343$4,172$4,277$4,384$4,493$4,606$4,721$4,839$15,818$16,214$16,621$17,035$17,464$17,898$18,345
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8$57,753$59,197$60,678$62,194$63,750$65,343$66,977$4,877$4,999$5,124$5,252$5,384$5,518$5,656$21,802$22,347$22,909$23,479$24,070$24,668$25,284
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9$59,197$60,677$62,195$63,749$65,344$66,977$68,651$5,599$5,739$5,883$6,029$6,181$6,335$6,493$28,927$29,650$30,395$31,151$31,936$32,730$33,547
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10$59,197$62,952$64,527$66,140$67,794$69,489$71,225$5,599$6,876$7,049$7,225$7,406$7,591$7,780$36,550$38,602$39,571$40,556$41,577$42,611$43,674$7,124$5,073$4,103$3,118$2,098$1,063$0
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11$59,197$64,526$66,140$67,794$69,489$71,226$73,006$5,599$7,663$7,855$8,052$8,253$8,459$8,670$44,707$48,967$50,196$51,447$52,740$54,053$55,40216%12%9%7%5%2%0%
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12$59,197$66,139$67,794$69,489$71,226$73,007$74,831$5,599$8,470$8,682$8,899$9,122$9,350$9,583$53,435$60,864$62,392$63,947$65,553$67,186$68,862
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13$59,197$66,139$69,489$71,226$73,007$74,832$76,702$5,599$8,470$9,530$9,768$10,012$10,262$10,518$62,774$73,594$76,289$78,191$80,154$82,151$84,200
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14$59,197$66,139$71,226$73,007$74,832$76,703$78,620$5,599$8,470$10,398$10,658$10,925$11,198$11,477$72,767$87,215$92,027$94,322$96,689$99,099$101,571
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15$59,197$66,139$73,897$75,745$77,638$79,759$81,568$5,599$8,470$11,734$12,027$12,328$12,726$12,951$83,459$101,790$110,202$112,952$115,785$118,762$121,632
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16$59,197$66,139$75,744$77,639$79,579$81,568$83,607$5,599$8,470$12,657$12,974$13,298$13,630$13,971$94,899$117,384$130,573$133,833$137,188$140,705$144,117
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17$59,197$66,139$77,638$79,580$81,568$83,607$85,697$5,599$8,470$13,604$13,945$14,293$14,650$15,016$107,141$134,071$153,318$157,145$161,084$165,204$169,221
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18$59,197$66,139$77,638$81,570$83,607$85,697$87,839$5,599$8,470$13,604$14,940$15,312$15,695$16,087$120,239$151,925$177,654$183,085$187,672$192,463$197,153
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19$59,197$66,139$77,638$83,609$85,697$87,839$90,035$5,599$8,470$13,604$15,959$16,357$16,766$17,185$134,254$171,030$203,694$211,860$217,166$222,701$228,138
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20$59,197$66,139$77,638$86,744$88,911$91,133$93,411$5,599$8,470$13,604$17,527$17,964$18,413$18,873$149,251$191,471$231,556$244,217$250,331$256,702$262,980$113,730$71,509$31,424$18,764$12,649$6,278$0
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21$59,197$66,139$77,638$88,913$91,134$93,411$95,746$5,599$8,470$13,604$18,611$19,076$19,552$20,040$165,297$213,344$261,369$279,923$286,930$294,223$301,42943%27%12%7%5%2%0%
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22$59,197$66,139$77,638$91,136$93,412$95,746$98,140$5,599$8,470$13,604$19,723$20,215$20,719$21,237$182,466$236,747$293,269$319,240$327,229$335,537$343,766
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23$59,197$66,139$77,638$93,414$95,747$98,140$100,594$5,599$8,470$13,604$20,862$21,382$21,916$22,464$200,837$261,789$327,402$362,448$371,518$380,941$390,294
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24$59,197$66,139$77,638$93,414$95,747$100,594$103,109$5,599$8,470$13,604$20,862$21,382$23,143$23,722$220,494$288,584$363,924$408,681$418,906$430,750$441,336
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25$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$241,527$317,254$403,002$458,150$469,611$485,931$497,884
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26$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$264,033$347,931$444,817$511,082$523,866$544,976$558,391
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27$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$288,114$380,756$489,558$567,720$581,919$608,153$623,133
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28$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$313,880$415,878$537,431$628,321$644,035$675,753$692,408
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29$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$341,450$453,459$588,655$693,165$710,499$748,084$766,531
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30$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$370,950$493,671$643,465$762,549$781,616$825,479$845,843$474,893$352,172$202,379$83,295$64,227$20,364$0
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31$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$402,515$536,698$702,111$836,788$857,711$908,292$930,70856%42%24%10%8%2%0%
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32$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$436,290$582,736$764,863$916,225$939,133$996,901$1,021,512
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33$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$472,429$631,997$832,007$1,001,222$1,026,254$1,091,713$1,118,673
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34$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$511,097$684,706$903,852$1,092,169$1,119,474$1,193,162$1,222,635
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35$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$552,473$741,105$980,726$1,189,483$1,219,220$1,301,713$1,333,874$781,402$592,769$353,149$144,392$114,655$32,162$0
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36$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$596,744$801,452$1,062,980$1,293,608$1,325,947$1,417,862$1,452,90159%44%26%11%9%2%0%
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37$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$644,115$866,023$1,150,993$1,405,022$1,440,145$1,542,141$1,580,259
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38$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$694,801$935,114$1,245,167$1,524,235$1,562,337$1,675,120$1,716,532
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39$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$749,036$1,009,042$1,345,932$1,651,793$1,693,083$1,817,407$1,862,344
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40$59,197$66,139$77,638$93,414$95,747$104,366$106,976$5,599$8,470$13,604$20,862$21,382$25,029$25,655$807,067$1,088,144$1,453,752$1,788,280$1,832,981$1,969,655$2,018,363$1,211,296$930,219$564,612$230,083$185,382$48,709$0
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Total Contributed Over 40 Year Career$198,161$285,377$420,256$572,311$586,600$652,372$668,58760%46%28%11%9%2%0%
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Total Investment Gains Over 40 Year Career$608,906$802,767$1,033,496$1,215,969$1,246,381$1,317,283$1,349,776
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Total Accumulated
Over 40 Year Career by "Spending Half and Saving Half" of Your Salary Increases		$807,067$1,088,144$1,453,752$1,788,280$1,832,981$1,969,655$2,018,363
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