pool
Retire

apartment
Rent/Buy

work
Job

Paid
Passive

School
School

Let's get started.

Combined current annual income of entire household.
Annual after-tax saving: $20,000
Pro tip: Increasing your savings is the single most effective way to free yourself to retire earlier. Rule of thumb: try to save at least 20%
What about Asset Allocation?
Hang tight, we're finding your safe retirement age.
We want your money to last!


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-
Tune
menu


Total Net Worth
$0

Net Worth Over Time

Asset Allocation Learn More >

Asset Class %
US Stocks
NonUS Stock
Bonds
Cash
Real Est.
Total %
100.0%
100.0%






Safe Retirement Projections
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SAFE RETIRE AGE
90%+ chance your money will last if you retire at - , - your goal to retire at -.
$0
NEEDED TO SAFELY RETIRE
$0
-
You'll need around to comfortably retire. You're on track if you have at least $- today.
-. -.
REAL RETIREMENT INCOME
Based of the amount you currently spend, a reliable indicator of how future consumption. It's expressed in real dollars (today's equivalent dollars after adjusting for inflation), so your unadjusted (nominal) income would be $xxx/yr.
Re-run projections to see accurate results based on your latest inputs.



Forward Simulations



Run projections to view simulations for each possible retirment age.

History



pool
Retirement
-
apartment
Rent vs Buy
xx
work
Career Analyzer
paid
Rental Property
School
College
SEND KIDS

Resetting... Hang tight!



Apply inputs to see results
Career Analyzer
Which job strikes the right balance for me?
New
Current

Additional Considerations

Encapsulating your choice of employer into a few key inputs is an obvious oversimplification. This is a complex decision, we simply provide a framework for a few key tradeoffs.

Looking for some additional perspective? Listen to this piece from "The Happiness Lab" on finding a "good enough" job.
Rental Property Calculator
Will this property cash flow? Is it a sound passive investment?
Don't Buy
Buy
yrs


Additional Considerations

Investing in real estate and owning a home involve different considerations. The value one realizes from home ownership is difficult to quantify and highly personal. Furthermore, there are important liquidity constraints involved in real estate ownership: terminating a rental lease is significantly more flexible and timely than selling a home to recouping your down payment and other capital investments.

Note on refinancing: if the interest rates you can currently obtain is relatively high today, you may be able to refinance at a lower rate at a future date, but there is no guarantee this will come to fruition or if it will be to your financial benefit when total costs are considered.

College as an Investment
What will it cost? Is it worth it?
Launch College ROI - Dynamic Value Ranking ↪
See which colleges offer the optimal blend of future wealth potential and flexibility.
Get a personalized ranked list and calculation of the full cost and income tradeoffs of attending each college. We calculate the Net Present Value (NPV: the standard financial analysis decision metric of choice which discounts the future stream of cash flows to determine an investment's viability) between ages 18 and 65 to determine which schools make economic sense to attend relative to having a high school degree alone.

Use the College ROI Tool to explore the best schools for your needs, whether you're browsing for yourself or helping your kids make a sound decision that sets them up for a successful future!


Our thoughts: Is college worth it?
Education is one of the most predictive, versatile, and fruitful investments one can make. Despite the skyrocketing cost of higher education, the return on investment (ROI) of increasing amounts of education is compellingly high in many cases, as long as you choose the right school.

However, the economic tradeoffs to an individual's lifetime worth of college attendence are becoming increasingly individualized: unlike 30 years ago when college was far less expensive and the salary bump from a college degree was a bit more significant, the financial benefits, while reamining substantial on average, now vary depending on your situation.

On average, wages increase by degree level:


Data source for base wage assumptions: BLS
Even for students who entirely fund their collegiate education through various student loans, choosing to attend college equates to an average gain in net worth of over $600,000 - 1,500,000 (in today's dollars) at time of retirment (age 65).

Data source for base wage assumptions: BLS

ADDITIONAL RESOURCES

  • NY Times 'The Daily' - Is College Worth It? - explaining the background and impacts of the rising cost of college education, noteworthy trend of reduced faith in the value of a college education, and relative economic tradeoffs, both to individuals and to the economy as a whole, to attending college

    • Ready to explore? Launch College ROI dynamic rankings ↪
    See which colleges offer the optimal blend of future wealth potential and flexibility.

    Additional Considerations
    Going to college can be really fun. Beyond the obvious benefits to your career and income growth, you have an opportunity to build close relationships with a diverse set of new friends, form a mature world view, and learn how to live on your own in a relatively safe environment. Every individual's needs will help determine their most suitable path, but it would be foolhardty to discount the potential for happiness that one gains from the college experiece and reduce the experience to a purely economic tradeoff decision.

    Our Philosophy


    At Totally, we passionately belive that everybody deserves to learn how to build wealth and unburden themselves financially, maximizing their chance to live a long and happy life.

    Our goal is to provide an easy and intuitive way to make complex, critical financial decisions. Our mission is to Totally unify the otherwise siloed worlds of investing for retirement, real estate, career planning, and education.

    Most of us learn by doing. Our free tools are designed to empower by distilling complex financial modeling techiques into simple tools to enable smarter, more transparent decisions. We incorporate contextual education, meaning that anybody can learn new concepts using numbers that are directly applicable to their unique situation. We encourage folks to get hands-on and play around with different what-if scenarios to easily understand their impact to their biggest financial decisions.

    A handful of pivotal decisions overwhelmingly determine your wealth potential and are key happiness drivers:

    We break these decisions into a system of interconnected tools, designed to help you choose smarter:

    Tools
    Wealth Building Blocks
    trending_up
    Let your money work for you
    Invest for the long term, and stay the course. Leverage the power of compounding to watch your money grow. Don't let FOMO lead you astray. Avoid fads, bubbles, and meme stocks. Stick to low cost, risk-optimized, diversified, time-tested strategies. Invest early and invest whatever you can reasonably spare.
    dangerous
    Don't overspend on the big items
    Life's biggest financial decisions require careful planning and analysis so that you don't end up overextended. Be in control of your financial future. You don't want to be a slave to your possessions and debt. Instead of buying that "dream house" that you can barely afford, what if you could retire 7 years earlier?
    school
    Invest in yourself and maximize earning potential
    Build your "human capital" early and often. Finish high school, go to a college that makes sense for you. Only go to grad school if you have a career plan, and find a career path with upward mobility. Don't get in your own way: be open minded about how to make the most of your skills and talents, and see you can translate them into a profitable industry and role. Try to find an employer who pays in the top quartile for your job family, and/or be entrepreneurial where you can.
    Dispelling common myths
    zoom_out
    Myth 1: Building wealth is greedy
    False. There is nothing more selfless than a financially stable home and providing for your family's needs. And when possible, retiring earlier allows you to spend more of your best years with the people and activities that bring you joy. Building wealth is about Prospering: enabling freedom, flexibility, and maximizing happiness.
    zoom_out
    Myth 2: You need to buy real estate to build wealth
    False. You need to make the right decisions in real estate to build wealth. In fact, an ill-informed purchase of personal or investment property can leave you in far worse financial health, lacking liquidity for unplanned large expenses or opportunities, or becoming "house poor." Especially while home prices and interest rates are sky high, for many households the most in wealth-building decision will be to rent.
    zoom_out
    Myth 3: Investing in stocks and bonds requires daily trading and extensive knowledge
    False. A basic conceptual understanding is all that's needed to buy safe, diversified, no hassle investments like broad index funds and target date funds. These accessible investment products are carefully managed and monitored by expert asset managers. And because they are long term investments, most financial experts recommend only reviewing these investments a few times a year.
    Independent Resources
    The internet is a big, wonderful place. Our mission is to guide you on your wealth-building journey; here are a handful of other independent, unaffiliated resources to supplement your growth. A few of our favorite additional resources to learn about investing, real estate, and wealth creation include:

    open_in_new Morningstar - Investing classroom

    open_in_new Investopedia - How to Invest in Stocks: A Beginner’s Guide

    Disclaimer

    The information provided on this website is for general informational purposes only and does not constitute financial, investment, or professional advice. It should not be relied upon as a substitute for financial or investment advice from qualified professionals. All investment decisions involve risk, and past performance is not indicative of future results. The content on this website is provided "as is" and without warranties of any kind, either expressed or implied. While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or reliability of the information presented. We do not accept any responsibility for errors, omissions, or any action taken based on the content of this website. Any links to third-party websites are provided for convenience and informational purposes only. We do not endorse or guarantee the accuracy of the content on linked websites, and we are not responsible for any third-party content, products, or services. Investing in financial markets involves substantial risk and potential loss of capital. It is important to conduct thorough research and consult with a qualified financial advisor before making any investment decisions. We do not provide personalized investment advice, and nothing on this website should be interpreted as a solicitation or offer to buy or sell any securities or financial instruments. By using this website, you acknowledge and agree to the terms of this disclaimer. If you do not agree with these terms, please refrain from using this website. Please consult with a qualified legal and financial professional for advice tailored to your individual circumstances before making any financial or investment decisions.



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