How it works

This calculator helps you model different financial futures and see when you reach key milestones.

Enter your basics

Start with your current financial situation: savings, income, expenses, and goals. The calculator uses this as your baseline.

Create different scenarios to see how choices affect your timeline. For example:

The three starter scenarios (Baseline, Take a Break, Cruise) automatically adjust to your numbers. Custom scenarios stay exactly as you design them.

The calculator shows when you hit three key thresholds:

Survive

You have enough accessible savings to cover a year of expenses

Coast

Your investments will grow to cover retirement on their own—you can shift to lower-paying meaningful work

Quit

Your portfolio supports your spending indefinitely—work becomes optional

Look at different scenarios side-by-side to understand the trade-offs. You'll see:

•How different income and expense changes move your timeline forward or backward
•The trade-off between money now vs. time later
•When you have enough runway to make a change

Ready to plan your future?