Goals that start from you
Tell us your birth year, the age you want to retire at and how you invest. One bar above your charts now shows how you are doing, and one window sets it all.
A date like "in 14 years and 3 months" is hard to feel. An age is easier: "free at 52". Your goals now start from you, in one place.
One bar, one window
The four goal cards are gone. In their place is a single bar above your charts with your age, your investor profile, the age you want to retire at and two short figures: your return and your emergency fund against what your profile aims for. Click it and everything opens in one window, next to the plan it produces.
- Birth year. Only the year, never a date of birth.
- Retire early. Optional, set from the headline of the plan: the age you would like to stop working.
- Investor profile. Steady, balanced or growth.
- What you spend and what you save each month, with their own currencies.
What changes
- The window says "Free at 52", whether that is in time for your retirement age or the monthly saving that would get you there, and the projection chart counts in ages.
- Your investor profile sets two targets for you: the yearly return to aim for (4%, 6% or 8%) and the months of expenses to keep in cash (12, 6 or 3). You no longer type them.
- Your FIRE number now uses one fixed 3.5% safe withdrawal rate, meant to last indefinitely, so "years of expenses" is gone.
- Target Mix is set from the Targets tab of the allocation chart, as before.
If you had set your own goals before, the targets may now look a little different. Profiles are templates and these are calculations, not advice.