When can you afford to retire?

Build your nest.
Buy back your time.

NestVanta uses your savings, spending, investments and goals to estimate your financial-independence date—and show how each smart move can bring it closer.

See my retirement plan Explore the method
Clear estimates. Flexible assumptions. No account connection required.
A confident professional looking toward the future
Monthly spending
$4,320
↓ $240 less than last month
$1,180 available to save or invest
Milestone planningOn track
Build a 12-month freedom fund
Your progress72%
Investments
$428,600
Index funds68%
Bonds22%
Cash reserve10%

Know when you’re financially free.

Adjust the assumptions. The estimate updates instantly, so you can compare trade-offs and see which choices move your freedom date.

Your starting point

32
$120,000
$2,500
$60,000
7%
4%

Spending and contributions are in today’s dollars, so use an inflation-adjusted (real) return. The calculator assumes steady monthly growth and contributions, before taxes and fees.

You can afford to retire

Age 52
Around 2046
Your financial independence number
$1.50M
25× annual spending
Projected Savings Age 32–52
Projected savings growth A line chart with dollar labels at the current savings and projected freedom-age portfolio points.
Current portfolio $120,0008% of FI number

Increasing monthly investments can move your freedom date closer.

Show me how to get there

Begin with a clear, grounded estimate of where you stand today, then explore how the choices within your control—how much you save, what you spend, and the assumptions you use—can reshape the path ahead. A useful plan turns your financial position into practical, adaptable next steps, not a single rigid forecast you’re expected to follow.

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Build your nest. Buy back your time.

Know when you’re financially free, understand the trade-offs, and leave with a clearer next move.

See my retirement plan