Independence

Net worthTarget $3.5M

$1,538,300

4.8% weighted real return·1.57x effective leverage

Lines:MC:

0% volatilityLost decade at Independence

Independence date

May 2034

7 yrs 11 mo away

Target $3.5M

Drawdown

$171.6K/yr

Sustained · $6.3M 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 $1.5M

Real CAGR

4.8%

Weighted across all holdings

Plan health

66/100

Progress to target44

You're 44% of the way to your target.

Tax diversification66

Using 5 tax buckets — strong flexibility for retirement drawdown.

Liquidity74

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

$2.5M
in 4 yrs 4 mo
$5M
in 23 yrs 9 mo
$10M
in 42 yrs 10 mo

Based on your current contributions + real CAGRs. Updates live as you tweak holdings.

Savings rate

Household

30.3%

Strong saver

On track for retirement in ~25-30 years from $0 net worth.

Savings

$116,838/yr

Income

$385,000/yr

Alex: $220,000 · Jordan: $165,000

Coast-Independence

15 yrs 9 mo

If you stopped contributing today, compounding alone would get you to Independence in that long. That's 7 yrs 10 mo later than your current pace.

Coasting

15 yrs 9 mo

Current pace

7 yrs 11 mo

Same projection engine as the headline Independence date, just with contributions zeroed. Honors your active scenario and member filter.

44% of the way to target

7 yrs 11 mo at $9,737/mo

Equities drive 89% of expected growth

$944,000 stocks · $122,000 bonds · $60,000 cash

+$500/mo to Alex 401(k) → 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.