name age salary
starting net worth
breakdown overrides the total above. total = sum of these.
bank deposit / mo
—
2 checks, post-tax, post-401k
cash saved / mo
—
after rent + life + roth + stock invest
total wealth built / mo
—
cash + 401k + match + roth + stock invest − spending
projected nw
—
—
→$1m·——
→$5m·——
hit by age →— / mo bank deposit needed
the dials
monthly rent$2,500
monthly life spend$1,500
401k / yr$10,000
employer match %50%
match cap / yr$12,250
roth ira / yr$0
stock invest / mo$0
monthly cash → public stocks (espp, brokerage, etc.)
project forward
8 mo
investment growth7%/yr
applied to all investments: 401k, roth, public stocks, vested rsu
cash interest3.5%/yr
hysa, savings account, money market
private stock · rsu grants
net worth projectionmay '26 → dec '26
composition at endpointdec '26
where the money flows

per paycheck (biweekly)

monthly picture (2 checks avg)

freedom tiers@ $4,000 / mo burn
targets scale with your rent + life spend above. liquid = cash you can actually touch. invested = 401k + roth + public (grows at market rate). net worth = everything including car + rsu.