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/ SURVYR. Future Planning Lab

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/ Cash Flow & Savings Rate Gauge

24% Saved · Healthy
24% SAVINGS RATE
Take-Home / Mo $9,500
Total Spend / Mo $7,200 (76%)
Free Cash Flow +$2,300/mo

/ Retirement & 4%–7% Withdrawal Matrix

$2.84M @ Age 60
Projected Nest Egg$2.84M
4% Safe Draw / Yr$113.5k/yr
Monthly Income$9,460/mo
Target Income 4% Rule (25×) 5% Rule (20×) 6% Rule (16.7×) 7% Rule (14.3×)
$60k / yr$1.50M$1.20M$1.00M$857k
$80k / yr$2.00M$1.60M$1.33M$1.14M
$100k / yr$2.50M$2.00M$1.67M$1.43M
$120k / yr$3.00M$2.40M$2.00M$1.71M
$150k / yr$3.75M$3.00M$2.50M$2.14M
$200k / yr$5.00M$4.00M$3.33M$2.86M

/ 9-Step Wealth Waterfall & Debt Payoff

67% Ready · 6/9 Steps
✓1. Deductibles Covered
Cash Shield
✓2. Employer 401(k) Match
100% Instant ROI
✓3. High-Interest Debt (>7% APR)
Avalanche 1st
✓4. 3–6 Mo Emergency Fund
SGOV / T-Bills
✓5. Max Roth IRA & HSA
Triple Tax-Free
✓6. Max Employer Retirement
$24,500 Cap
77. Hyper-Accumulation (25%+ Saved)
Taxable Quant
88. Pre-Fund Future Goals (529)
Kids / Home
99. Pay Off Low-APR Debt (<5%)
Mortgage Freedom
⚡ Debt Snowball / Avalanche Paydown Debt-Free in 18 mos · $2,140 int

/ Portfolio X-Ray & Sleeve Allocation

Sharpe 1.18 · Beta 0.86
9.4% EST. CAGR
Est. CAGR9.4%/yr
Sharpe Ratio1.18
Max Drawdown-16.5%
Portfolio Beta0.86