π‘ Click π next to any snapshot to change its date β useful for entering historical data
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You're in a brand-new snapshot β not the previous one. Your last snapshot's numbers were copied here as a starting point so you don't retype everything. Update them to reflect today, then it saves on its own. Your earlier snapshot is untouched and still listed above.
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Milestone unlocked
Total net worth
$0
Assets minus liabilities
Total invested
$0
Investments only β excludes cash & real estate
Total debt
$0
Everything you owe
Cash & savings
$0
Investments
$0
Property & other
$0
Total debt
$0
Freedom number
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25Γ your annual expenses (4% rule)
π± The point where your investments earn enough to cover your living costs β so work becomes a choice. (Based on withdrawing ~4% a year.)
π‘ Only assets in the Investments section count toward your freedom number. Cash, your emergency fund, and property add to net worth but aren't counted here β they're not invested to grow.
Time to financial freedom
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Enter monthly expenses & investing to calculate
Progress to freedom
0% there
Liquid assets vs. freedom number
π‘ Emergency fund
Target months:months
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Only cash accounts you flag with the π‘ Emergency toggle (in the Cash & savings section) count here β a vacation or sinking fund won't.
Emergency savings
$0
Months covered
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6-month target
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β Your numbers βοΈ Custom for this snapshot
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Drives your Freedom Number (25Γ annual expenses) and your emergency-fund target
%
We use 7% because it reflects the S&P 500's long-term average return after inflation β the most widely cited benchmark. It's conservative enough to avoid overestimating your results.
β οΈ Every number here is an estimate built from your inputs and a steady assumed return. Real markets move unevenly, and taxes, fees, and inflation will affect your actual results. This is an educational tool, not financial advice.
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Assets$0
Asset allocation
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Debts$0
β Changes save automaticallyβ Snapshot saved!
π Investment growth projector β see when you hit your Freedom Number
π All amounts are shown in today's dollars. The 7% return is a real (after-inflation) rate, so your Freedom Number is what you'd need in today's money β not a larger future "inflated" figure.
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Auto-filled from your most recent snapshot β edit to model different scenarios
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How much you invest every month
$
Used to calculate your Freedom Number (25Γannual). Auto-filled from assumptions β edit freely
%
Default 7% β the long-term S&P 500 average after inflation
Used to work out your Coast FIRE point and years until retirement
The age by which you'd like work to be optional
Portfolio value β your money growing with compound interest
π΄Coast FIRE reached β the point where you can stop adding money and still hit your goal
πFreedom number reached β the star marks the year your portfolio crosses your Freedom Number
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Freedom Number
Your Freedom Number is the point where your investments can cover your living costs β about 25Γ your annual expenses. Reaching it means work becomes optional.
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Coast FIRE number
Coast FIRE is the moment you've invested enough that compound growth alone will carry you to your Freedom Number by your target retirement age β without adding another dollar. You could keep investing, but you don't have to.
This is an estimate, not a promise. It assumes a single steady annual return every year, but real markets rise and fall unevenly. It does not deduct taxes, investment fees, or future inflation, and it assumes your contributions and expenses stay constant. Your actual results will differ β treat these numbers as a planning guide, not a guarantee. This tool is for education only and is not financial advice.
β‘ Debt payoff strategy β pick your method, see the real difference
Your payoff order using this method
The Wealthy Bitch Wealth Dashboard is for educational and personal organizational purposes only. It is not financial, investment, tax, or legal advice, and is not a recommendation to buy, sell, or hold any investment. We are not licensed financial advisors, and using this tool creates no advisory or fiduciary relationship.
All figures β net worth, Freedom Number, Coast FIRE, debt payoff, and growth charts β are estimates based on the numbers you enter and a single assumed rate of return. Results will vary. They don't account for taxes, fees, inflation, market volatility, or changing circumstances, all of which affect real outcomes. Investing involves risk, including possible loss of principal, and past performance does not guarantee future results. The 7% default is an illustrative long-term S&P 500 average after inflation, not a forecast or any specific investment.
Consult a licensed professional before making financial decisions. To the fullest extent permitted by law, the creators disclaim all warranties and accept no liability for any loss arising from your use of, or reliance on, this tool; you use it at your own risk and are solely responsible for your own decisions.