Free tool
The single number that decides when work becomes optional. Find yours, then see what moving it does to your timeline.
Count everything that builds net worth: cash savings, retirement contributions, and the principal portion of extra debt payments. Match dollars count as both income and savings.
Strong. You are clearing the classic 20% benchmark, which puts a traditional-age retirement comfortably in reach.
Assumes a 5% real (after-inflation) return and a 4% safe withdrawal rate, starting from zero. Notice the curve isn't linear — going from 10% to 20% saves far more years than going from 40% to 50%.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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