Work Optional Calculator
$14
I started investing at 22 with no plan, and for years I had no idea if it was enough.
This Work Optional Calculator gives you the answer I didn’t have. Put in your age, when you want to stop working, what you’ve invested, what you invest monthly and your annual spend. It tells you the exact month and year you’ll hit Coast FI and full financial independence (FI), and if you come up short, by how much and how to close the gap.
What’s inside
Your Numbers. Fill in your information. You set your real mix of stocks, bonds and cash, so your results reflect you specifically instead of a one-size-fits-all guess.
Your Timeline. See when you hit Coast FI and full FI at your current pace, with a chart and a year-by-year breakdown.
Reverse Engineer your Dream. Pick the age you WANT to hit Coast FI or full FI and see how much you’d need to invest each month to get there.
What If? Turn on up to 8 life events like an investing pause, a raise, a one time expense, SS/pension or an inheritance, and compare them side by side with your current plan.
This is for you if: you’re already investing but aren’t sure it’s enough, or you’re thinking about kids, a sabbatical or going part-time and want to see what it does to your timeline before you decide.
DISCLAIMER:
The Work Optional Calculator and its guides are for educational and informational purposes only. They are not financial, investment, tax, or legal advice. I am sharing what I use for my own projections but I am not a licensed financial advisor, and nothing here is a recommendation to buy, sell, or hold any investment.
Refund Policy
Due to the digital nature of this product, all sales are final and refunds are not offered.