Try it with your numbers.

A working demo of the app. Every figure below is editable, and the line redraws as you type. Nothing you type leaves this page: there is no server behind it and nothing is stored, so a reload starts you over with the example.

The app itself runs on your iPhone, keeps everything there, and is exact to the cent. This demo is the same arithmetic in a browser, close enough to show you what it does.

Assumptions

Every amount in USD

Currency

Monthly incomeWhat arrives in a typical month, after tax.

Monthly spendingWhat leaves in a typical month, rent and bills included.

Annual investment returnApplies to accounts marked Invested.

Advanced

Annual raise

Raise lands in

Annual spending growth

Your ageOnly used to date money available from an age.

What comes next is a guess, and the line leans on it. Inflation is not taken out of any of these.

Accounts

Invested balances grow at the investment return rate. Everything else stays as cash. Interest or dividends are paid out as cash unless you leave them in the account.

Target

Reach a net worth of

The reading reports the first month the line crosses it. It does not tell you what to do to get there.

Net worth today

In 24 months$0

Touch the line for any month

—In 24 months

—Reaches the target

—If income stopped

Monthly detailIn 24 months

Money in— Money out— Investment growth— Interest & dividends kept in accounts—

Example numbers, not yours. The position the app opens with. Change any of them, or .