Independence

Net worthTarget $3.5M
$608,300
4.8% weighted real return·1.57x effective leverage
Lines:MC:
$0$5M$10M$15MTargetIndependenceNow+45y
0% volatilityLost decade at Independence
Independence date
Sep 2036
10 yrs 4 mo away
Target $3.5M
Drawdown
$229.7K/yr
Sustained · $8.5M legacy after lost decade
Projection is a model output using your assumptions — not a prediction or guarantee. Real returns vary; past performance does not predict future results.
Effective leverage
1.57x
$2.5M exposure on $608.3K
Real CAGR
4.8%
Weighted across all holdings
Plan health
57/100
Progress to target17
You're 17% of the way to your target.
Tax diversification66
Using 5 tax buckets — strong flexibility for retirement drawdown.
Liquidity62
Roughly half your wealth is in liquid form.
Leverage safety81
1.57× effective leverage — meaningful drawdown amplification. Stress-test scenarios.
Composite of the four pillars (equal weight). Not financial advice — just a quick read on plan robustness.
Upcoming milestones
  • $1M
    in 1 yr 10 mo
  • $2.5M
    in 7 yrs 5 mo
  • $5M
    in 19 yrs 4 mo
  • $10M
    in 38 yrs 4 mo
Based on your current contributions + real CAGRs. Updates live as you tweak holdings.
Savings rate
Household
29.2%
Strong saver
On track for retirement in ~25-30 years from $0 net worth.
Savings
$112,488/yr
Income
$385,000/yr
Alex: $220,000 · Jordan: $165,000
Coast-Independence
18 yrs 3 mo
If you stopped contributing today, compounding alone would get you to Independence in that long. That's 7 yrs 11 mo later than your current pace.
Coasting
18 yrs 3 mo
Current pace
10 yrs 4 mo
Same projection engine as the headline Independence date, just with contributions zeroed. Honors your active scenario and member filter.
17% of the way to target
10 yrs 4 mo at $9,374/mo
Equities drive 89% of expected growth
$944,000 stocks · $122,000 bonds · $60,000 cash
+$500/mo to Alex Roth IRA → Independence 3 mo sooner
Highest-leverage account for incremental savings.
Credit card accrues at 21.80%
Paying it down beats the long-run real return on most equity portfolios. $3,200 outstanding.
VTI is 29% of your net worth
$435,000 in a single position. Single-stock or single-property concentration adds idiosyncratic risk on top of market risk.
Goals
Track non-Independence goals separately — house down payment, education, wedding, sabbatical.
No goals yet. Add your first below.