03 — Live dashboard

Move a slider.Move yourretirement.

This is the workbook’s own maths, running in your browser. Nothing is stored, nothing is sent anywhere.

Sheet 05 · live

Independence
simulator.

Monthly compounding to age 60, discounted into today’s money, against a 4% safe withdrawal target derived from your own projected spending.

Your inputs
Current age32 years
2255
Net household income$8,500 / mo
2k25k
Savings rate32%
5%70%
Starting invested balance$45,000
0500k
Nominal return9.0%
3%14%
Inflation2.5%
0%8%
Independence age54At a 4% withdrawal rate
FI target number$1.73M25× projected annual spending
Monthly contribution$2,720Income × savings rate
Projected annual spend$69,360What the target is built from
Balance at 60 · nominal$3.9MBefore inflation
Balance at 60 · real$2.1MIn today’s purchasing power

Illustrative mathematics only, not a forecast or financial advice. Real markets do not compound smoothly.

Sheet 04 · live

Mortgage
freedom engine.

Standard amortisation, plus the single most valuable question a homeowner can ask: what does an extra payment each month actually buy me?

Loan inputs
Property price$650,000
150k2M
Deposit20%
5%60%
Interest rate5.50%
1%12%
Term30 yrs
1035
Extra repayment$300 / mo
03k
Loan amount$520,000Price less deposit
Scheduled payment$2,952Principal & interest, monthly
Payoff time24.8 yrsIncluding extra repayment
Total interest$408kOver the life of the loan
Interest saved$154kVersus no extra repayment
Years removed5.2 yrsOff the original term

In the workbook, this sheet also returns
Property market value by yearValueₜ = Price × (1+g)ₜ
True accumulated equityValueₜ − Ending Balanceₜ
Net realised capital profitTerminal Value − (Deposit + Payments)
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