More Than Just Dates

Most calculators stop at showing you a timeline. This tool goes deeper—identifying the specific money gaps keeping you from reaching each milestone faster, and showing you exactly what to change.

Your Wealth Milestones

• $100,000: Momentum Builder - when compound interest really kicks in
• $250,000: Quarter Million Club - you're in the top 20% of savers
• $500,000: Half Million Hero - financial independence is in sight
• $1,000,000: MILLIONAIRE STATUS - you made it!

Inflation-Adjusted Reality

We don't just show you big numbers—we show you what they're actually worth in today's dollars, so you can plan with real purchasing power in mind.

What's Next After $1M?

Once you know your millionaire timeline, the FIRE Freedom Calculator shows you when you can actually stop working for money—not just when you'll hit a milestone.

The Hidden Price of Delay

Every month you don't act on what you already know has a dollar cost. We calculate exactly what your current patterns are costing you—not to shame you, but to make the invisible visible so you can make informed choices.

We Calculate Three Critical Numbers

• 1-Year Delay Cost: What waiting just 12 more months will cost you at retirement
• 5-Year Delay Cost: The massive compounding price tag of prolonged inaction
• Per-Month Cost: What every single month of delay costs in future dollars

Why This Matters

Knowing that "waiting is bad" doesn't change behavior. Seeing that waiting costs you $847 per month in lost future wealth? That changes decisions.

Your Growing Income Advantage

We assume your income grows 5% annually, which means your contributions automatically increase over time—but only if you start now.

Not Generic Tips—Your Specific Actions

Based on your inputs, we identify your #1 priority right now and give you concrete actions with deadlines. This week. This month. This quarter. Real steps you can take, not a list of 20 things you'll never do.

We Diagnose Before Prescribing

Before showing action steps, we check what's actually blocking you:

• Missing employer match? That's free money—we'll show you exactly how much you're leaving behind
• No emergency fund? We'll flag this before recommending aggressive investing
• Below 15% savings rate? We'll calculate the gap and show the lifetime cost

Validation First

We start by showing what you're doing right. Capturing your employer match? Contributing to an IRA? We celebrate your wins before addressing gaps.

Current IRS Limits (2026)

• 401(k): $24,500/year ($2,042/month)
• IRA: $7,500/year ($625/month)

Millionaire Projection Calculator v6.2.2

Designed for: Young professionals (22-29) building wealth

What This Tool Does Differently

Most millionaire calculators just show you a number. This diagnostic tool reveals why you're on or off track by analyzing your specific behaviors:

• Behavioral Diagnosis: Identifies money gaps costing you real dollars, ranked by lifetime impact
• Personalized Cost Analysis: Shows the exact dollar cost of your current patterns
• Action Roadmap: Provides week-by-week steps with specific deadlines, not generic advice
• Validation First: Celebrates what you're doing right before addressing areas for improvement

This isn't just a calculator—it's a financial conversation that answers: What am I doing? What must I change? What will I do differently?

Key Assumptions

• Income Growth: 5% annually
• Inflation Rate: 3% annually
• Investment Returns: Your selected rate (6%, 8%, or 10%)

IRS Contribution Limits (2026)

• 401(k): $24,500/year ($2,042/month)
• IRA: $7,500/year ($625/month)

Disclaimer: This tool provides educational estimates only. Consult a qualified financial advisor for personalized advice.