Your cushion, runway, net worth, and Enough Number, one calm overview.
Open the Peace of Mind tool →From your essentials, total spending, savings, and debts we compute calm readings: your cushion (savings ÷ essential monthly spending = months covered), your runway (savings ÷ total monthly spending, plus a downshift scenario at essentials only), your net worth (savings + other assets − debts), and My Enough Number (annual essentials ÷ your safe-withdrawal rate, e.g. 4% ≈ 25×).
Enter a monthly savings amount and we also project the time to your Enough Number — a straight-line estimate at that rate that deliberately doesn't assume any investment growth, so it's the cautious version. The target months, the withdrawal rate, and the savings rate are your assumptions, shown and adjustable. The tone is progress, never shame.
Computed entirely on your device for U.S. taxes and benefits. Nothing is ever sent anywhere, and it is free forever. Educational information, not financial, tax, investment, or legal advice.