Crossover Point Calculator

Crossover Point Calculator

Passive income above expenses is the condition. This finds the year it happens, and what the money does after.

After you hit the number

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Your number
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Years to get there
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Total you contribute
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Left at your plan-until age
Portfolio balance by age

Year by year

AgeYearBalanceContributionGrowthWithdrawal
Returns are treated as steady and already adjusted for inflation, so every figure is in today's dollars. Real markets arrive in a scrambled order, and a bad first decade of retirement changes the outcome even when the average return is identical. Taxes, Social Security, and healthcare before 65 are not modeled. For historical simulation, use cFIREsim or FICalc; for longevity risk, engaging-data's Rich, Broke or Dead.