Pilot Resources

Raise Capture Calculator

Stop lifestyle drift. Capture every upgrade dollar.

$ Pay & Work

Hourly + Credit

Annual

Hourly Rate

Credit Hours / Month

Calculated annual: $218,880

Filing Status

State

Health Ins

HSA

401k

Simplified 2026 brackets — consult a tax professional for exact numbers.

New Hourly Rate

New Credit Hours

$0/mo net raise

Captured

90%

Lifestyle Drift

10%

50% capture 100% capture

Fixed

housing, vehicles, debt, insurance

Variable

food, fuel, entertainment

Net Raise Delta

$0/mo

Capture Rate

90%

10-Year Wealth Impact

Net Raise Delta$0/mo

→ Captured$0/mo

401(k)$0/mo

HSA$0/mo

HYSA / EF$0/mo

Brokerage$0/mo

Debt Payoff$0/mo

→ Lifestyle (drift)$0/mo

Get the full routing system installed

Pilot Margin Blueprint — $1,500