How The Tracker Works

The 4% Rule

Example: If you want to spend $4,000/month in retirement: $4,000 × 12 = $48,000/year. $48,000 ÷ 0.04 = $1,200,000.

Years to Freedom Calculation

The tracker simulates your investment growth month by month using:

It continues until your balance reaches or exceeds your Freedom Number, then reports how many years it took.

What-If Scenarios

The tool automatically shows you how small changes affect your timeline:

• Adding $200/month to your contributions
• Increasing your expected return by 2%
• Reducing your monthly contribution by $500

Projection Table

The 10-year projection shows your estimated balance at each age, helping you visualize your progress.

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