Decision Library
Should I Job-Hop or Stay Loyal?
A bigger hike from switching employers usually beats a loyalty raise in the short term — the real question is what that looks like compounded over a decade, not just the next offer letter.
Run the Numbers
Calculate Your Own Scenario
Stay loyal
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Total earned: —
Switch jobs regularly
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Total earned: —
What If the Switch Hike Is Smaller Than Hoped?
You don't know your next offer until you get it — here's the total 5 points either side of what you entered.
| Scenario | Switch hike | Total earned switching | Winner |
|---|
Scenarios
How This Usually Plays Out
- Switching every 2-3 years for a meaningfully larger hike each time — usually wins by a wide margin over a decade.
- A loyal-stay path with strong annual hikes and promotions — can close the gap, especially once other factors (stability, equity, learning) are weighed in.
Risks & Exceptions
When the Normal Advice Doesn't Apply
- Frequent switching can have real non-financial costs — relocation, ramp-up time, and how some employers view a short average tenure.
Decision Framework
How to Actually Decide
- Run your actual numbers through the calculator above.
- Weigh the non-financial factors the calculator can't see — skills gained, stability, and burnout risk from switching too often.
- Use the gap as a negotiating anchor with your current employer, even if you don't plan to leave.
This page is for educational purposes only and does not constitute financial advice. Figures are illustrative and vary based on your individual circumstances, lender policies, and market conditions. Always consult a certified financial advisor before making major financial decisions.