Career Gap Cost Calculator

What is included in the career trajectory gap?

The trajectory gap represents the difference between what your salary would have been if you had continued working (compounding at the growth rate) versus the salary you expect when you return. If you return at the same salary you left, but you would have earned 3% more per year for each gap year, that shortfall is a real financial cost.

Does this include the opportunity cost of lost investment growth?

This calculator focuses on direct income and retirement contribution losses. The lost retirement contributions would also miss compounding investment growth over time. For long gaps, the long-term retirement impact is often the largest hidden cost.

How can I reduce the financial cost of a career break?

Negotiate a leave of absence with return rights to maintain benefits and career trajectory. Consider freelancing part-time to maintain income and skills. Invest heavily in upskilling during the break to return at a higher salary. Some employers offer paid parental or sabbatical leave.