How we calculate this: invested money grows 6% a year after inflation, so every year shown is in today's dollars. We assume you invest half of your yearly surplus (income minus expenses). Freedom Income counts 4% a year of everything you have invested, a planning convention that does not guarantee any return. The Wealth Stages are Cash Flow (income above expenses), Runway (six months of expenses saved), Six-Figure Investor ($100K invested), Millionaire ($1M in savings and investments, outside your home and business) and Freedom (Freedom Income above expenses). The S-Corp estimate uses 15.3% self-employment tax on roughly 40% of take-home.

This tool is for educational purposes only. Nothing here is financial, investment, tax, accounting or legal advice. Consult a qualified professional who understands your situation before making financial decisions. Examples are illustrations; past performance does not guarantee future results, and investing carries risk.