Looking long term for below 2 option e.g.

Age 25 $3000 -(Increment divide into 12 base on last salary) ~8.3%

25 $3,000
26 $3,250
27 $3,521
28 $3,814
29 $4,132
30 $4,476
31 $4,849
32 $5,254
33 $5,691
34 $6,166
35 $6,679
36 $7,236
37 $7,839
38 $8,492
39 $9,200
40 $9,967
41 $10,797
42 $11,697
43 $12,672
44 $13,728
45 $14,872

or

5% yearly increment

25 $3,000
26 $3,150
27 $3,308
28 $3,473
29 $3,647
30 $3,829
31 $4,020
32 $4,221
33 $4,432
34 $4,654
35 $4,887
36 $5,131
37 $5,388
38 $5,657
39 $5,940
40 $6,237
41 $6,549
42 $6,876
43 $7,220
44 $7,581
45 $7,960