Sample dashboard
Explore the product with sample numbers. Your account will use your real household data.
Financial home
Your money, organized
A calmer view of what changed, what matters now, and where your plan is headed.
Updated 2 months ago
On track
Work becomes optional at 48
This is the plain-English read on your current savings, spending, and portfolio. The detail lives below when you want to inspect the math.
Net worth
$432,000
Daily passive
$47.34
Savings rate
64%
24% of the way there
6
years
10
months
9
days
One useful lever: Save an extra $500/month and you could reach freedom 72 months earlier. That's the difference between age 48 and age 42.
Coast mode unlocked. Your existing portfolio will grow to cover your lifestyle by 60, even if you stop saving entirely. Every dollar saved from here is bonus.
Your journey
You are here
Investments earn
$47.34/day
FI at 4% rule (current lifestyle)
Age 42 · 2033 · $1,765,000
Cross $2M
Age 43 · 2034 · $2,000,000
FI at 3.5% rule (moderate)
Age 43 · 2034 · $2,017,000
Cross $3M
Age 46 · 2037 · $3,000,000
Cross $5M
Age 51 · 2042 · $5,000,000
Age 35
Today
Age 48
Freedom
Age 70
Age 42 · 2033
$1,765,000
FI at 4% rule (current lifestyle)
Age 43 · 2034
$2,000,000
Cross $2M
Age 43 · 2034
$2,017,000
FI at 3.5% rule (moderate)
Age 46 · 2037
$3,000,000
Cross $3M
Age 51 · 2042
$5,000,000
Cross $5M
Your family's net worth
$432,000
That's everything you own minus everything you owe.
Income
$285,000
Savings rate
64%
Most families save ~5%
Rule of 25
Cash savings
$25,000
5%
Manual account
Retirement accounts (401k) (2)
$277,000
60%
Roth IRA (2)
$79,000
17%
Debts
Student Loans
Student · $450/mo
What's net worth? It's the total value of everything you own (investments, home equity, savings) minus everything you owe (mortgage, loans). Think of it as your family's financial scorecard.
Gross income
$285,000
Before taxes and deductions
Monthly outflow
$5,883
Spending plus debt payments
Savings rate
64%
Take-home income kept
Financial engine
Annual dollars flowing from income into lifestyle, debt payoff, and future freedom.
$123,737/yr invested
Kept after tax
68%
Invested from income
64%
Portfolio tailwind
$34,588/yr
Progress over time
Daily snapshots of your finances and retirement path
Net worth
$0
Since May 14
Freedom age
No change
Since May 14
Savings
$0
Since May 14
Your first snapshot has been saved. Future updates will show whether net worth, savings, and freedom age are moving in the right direction.
What you earn vs. what you keep
Taxes take a big bite. Here's what each of you actually takes home.
Alex
$165,000
Takes home $110,905
You keep 67¢ of every dollar — the rest goes to taxes
Jordan
$120,000
Takes home $83,432
You keep 70¢ of every dollar — the rest goes to taxes
Why does this matter? The U.S. has "progressive" tax brackets — the more you earn, the higher percentage goes to taxes. This is why maxing out your 401(k) contributions can save thousands: it lowers your taxable income.
Where your money goes
You spend about $5,883/month ($70,600/year)
Debt payments
Automatically included from your liabilities
64% savings rate
Of this, $64,000/yr goes into specific accounts (401k, IRA, etc).
Expenses = your lifestyle costs. Rent, groceries, dining, entertainment, insurance, subscriptions — the things you spend on day-to-day.
Don't add loan payments here (mortgage, car loan, student loans). Those are tracked automatically from your liabilities and appear in the "Debt payments" section above. Rent is different — it's an expense, not a debt.
Retirement readiness
Can your portfolio cover your future life?
6
Years to financial freedom
41
Projected freedom age
$1.8M
Target portfolio
$6K/mo
Estimated monthly need
Needs focus
24% funded today
Projected retirement coverage
Projected spending needs compared with sustainable portfolio withdrawals using the 4% rule.
Net worth projections
Hover the chart to compare projected net worth by year.
Earliest freedom
Age 41
Best 15-year NW
$5,630,000
Scenarios
2
| Path | Freedom age | Annual spend | 15-year net worth |
|---|---|---|---|
| Age 41 | $77,852/yr | $5,630,000 | |
| Age 51 | $172,368/yr | $1,517,000 |
Milestone roadmap
2026
$432,000
Current position. $123,737/yr flowing into investments.
2033
$1,765,000
FI at 4% rule (current lifestyle). Age 42.
2034
$2,000,000
Cross $2M. Age 43.
2034
$2,017,000
FI at 3.5% rule (moderate). Age 43.
2037
$3,000,000
Cross $3M. Age 46.
2042
$5,000,000
Cross $5M. Age 51.
Your future scenarios
Each card shows a different version of your future and how close you are.
Current Path
DefaultNo life events — your current trajectory.
Age 48
24% to financial freedom
Buy a House
🏠 Buy home in Bay Area · 👶 First child
Add income and spending data to see projections.
How does this work? Each scenario models a different version of your future based on life events you add — buying a home, having kids, changing jobs, taking a break. The age shown is when your investments can cover your spending using the 4% rule.
Where your savings should go
Recommended annual allocation of your ~$123,737 savings — tax-advantaged accounts first
401(k) — Both
Max employer match + reduces AGI by $47000. Saves ~$15040+ in taxes.
$47,000
Backdoor Roth IRA — Both
Tax-free growth and withdrawals. No income limits via backdoor.
$14,000
HSA (if available)
Triple tax advantage: deductible, grows tax-free, withdraws tax-free for medical.
$8,300
Taxable Brokerage
Index funds (VTI/VXUS). No contribution limits. Flexible access before 59½.
$39,437
Crypto (BTC)
Maintain ~10% allocation. High-risk satellite position, not core.
$15,000
Income safety margin
How much annual income remains after covering the life you are funding.
Current breathing room
$181,463
2.8x covered
Margin after life cost
93%
This is the share of take-home income still available for investing, extra debt payoff, or flexibility.
Today (no changes) now
$103,537 needed
$181,463
Current Path
$114,172 needed
$234,853
Buy a House
$252,782 needed
$237,384
Optionality map
Each point is a scenario: farther left means freedom sooner, higher means a more expensive lifestyle.
What does your life cost?
Your financial security number depends on the life you choose
| Scenario | Spend | 4% | 3.5% | 3% |
|---|---|---|---|---|
| Today (no changes) | $70,600 | $1,765,000 | $2,017,000 | $2,353,000 |
| Current Path | $77,852 | $1,946,000 | $2,224,000 | $2,595,000 |
| Buy a House | $172,368 | $4,309,000 | $4,925,000 | $5,746,000 |
Scroll right to see all columns
How to read this: The 3.5% rule is recommended for long time horizons (40+ years). If you want flexibility before 50, the 3.5% column is your primary planning target. Colors show progress from your current net worth: green is 75%+ funded, orange is 40%+, and red is under 40%.
Cost of choice
How each scenario moves your 3.5% financial security target compared with today.
Today baseline
$2,017,000
Current Path
$77,852/yr life cost
Buy a House
$172,368/yr life cost
How much do I need to save?
To reach each net worth by age 55 | Assumes 8% annual return | Starting from $432,000
Already Covered by Compounding
Your $432,000 grows to $2,013,533 by age 55 with no new savings.
Your Current Trajectory
At $123,737/yr savings, your portfolio reaches $7,682,484 by age 55.
| Target | 4% Withdrawal (You Can Spend) |
Savings Needed / yr | Can You Hit It? |
|---|---|---|---|
| $4,000,000 | $160,000/yr | $43,324/yr | Yes — $80 Thousand/yr surplus |
| $5,000,000 | $200,000/yr | $65,161/yr | Yes — $59 Thousand/yr surplus |
| $6,000,000 | $240,000/yr | $86,997/yr | Yes — $37 Thousand/yr surplus |
| $7,000,000 | $280,000/yr | $108,833/yr | Yes — $15 Thousand/yr surplus |
| $8,000,000 | $320,000/yr | $130,670/yr | Would need $6,934/yr more |
| $9,000,000 | $360,000/yr | $152,506/yr | Would need $28,770/yr more |
| $10,000,000 | $400,000/yr | $174,343/yr | Would need $50,607/yr more |
| $12,000,000 | $480,000/yr | $218,016/yr | Would need $94,280/yr more |
| $14,000,000 | $560,000/yr | $261,688/yr | Would need $137,952/yr more |
| $15,000,000 | $600,000/yr | $283,525/yr | Would need $159,789/yr more |
| $20,000,000 | $800,000/yr | $392,707/yr | Would need $268,971/yr more |
The power of compounding
Why $10,000 saved at 35 is dramatically more powerful than $10,000 saved at 45
What $10,000 Becomes at 8% Annual Return
$10K saved at 45 only becomes $50,402.
Today's $10K is worth 2.2x more.
$10K/Year: Start Now vs. 5 Years Later
Start at 35
$10K/yr for 31 years at 8%
$1,233,459
Start at 40
$10K/yr for 26 years at 8%
$799,544
Cost of Waiting 5 Years
$433,915
The Opportunity Cost Test: $10K spent on a vacation today costs you $98,880 in future purchasing power (at 8%, 31 years). Every $10K decision matters.
Your portfolio: growth projections
Existing $432,000 invested portfolio at 8% — with and without continued contributions
Even at $0 New Savings
Your existing $432,000 grows to $933,219 in 10 years and $2,015,967 in 20 years with zero additional contributions.
With $123,737/yr Savings
You reach $2,726,291 by age 45 and $7,682,484 by age 55. The gap between the bars is your contributions + their compounded growth.
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