Income, budget, investing, and retirement, all in one simple story.
YOUR STORY STARTS WITH ONE NUMBER
Tell us what you earn, and we'll build the rest with you — what you actually take home, a budget that fits, how your savings could grow, and the day work becomes optional. No sign-up, no jargon. Just your money, made clear.
Net Monthly Take-Home
$11,905
$142,854 / year (after 28.6% tax)
Target Monthly Savings
$2,381
20% of net pay into investment & debt payoff
Years to Financial Freedom
19.8 yrs
Estimated freedom age: Age 52
25-Yr Projected Wealth
$2,363,113
At 8% return (3.4x multiplier)
Full Pipeline Breakdown
How Your Gross Income Converts to Freedom
Gross Salary: $200,000100% Total Income
Taxes & Mandatory Deductions
Federal + Provincial/State + Social Security
-$4,762/mo (28.6%)
Essential Living Needs (50% guideline)
Housing, groceries, utilities, transit
$5,953/mo
Lifestyle & Discretionary Wants (30% guideline)
Dining out, travel, entertainment, hobbies
$3,572/mo
Future Wealth & Investment (20% guideline)
Compounding growth & retirement freedom
+$2,381/mo
Optimization Engine
"What If?" Decision Levers
💡 Save an extra $350/moRetire 2.4 yrs earlier
Compounds to +$284,000 over 20 years at 8%.
📈 Boost yield from 7% to 10% (RWA)+$410,000 net worth