when can I stop working
at 62changing nothing, the chance the money lasts to 90 is 75%
Whatever your reason, the plan starts there. Not with a net-worth form.
You spread your life energy across what matters. What you choose reveals what you value, and the plan learns from it.
Ten areas of life, one sentence each: where you are today and where you want to be. The radar grows out of your answers.
The plan isn't there to grow a balance; it's there for the life you want. Every gap between today and what you want becomes a goal, and the money is pointed at it: it pays for what's bought, sets a date for what's traded for time, and protects what's already good.
What brought you here?
I'd like to quit next year, but I don't know if the numbers work
Then your plan starts with one calculation: how much needs to be saved for next year to work. Let's start there.
What do you want your richest years to hold?
You have 100 life-energy points to invest across 24 visions. What you choose reveals what you value.
75 spent · 25 left · a life centered on freedom
Freedom · 7 of 10
“My money frees up my time.”
your radar, taking shape: where you are and where you want to be, across the ten areas
The three biggest gaps between your life today and the one you want, and where the plan points the money.
Not every goal is about money. The plan funds the ones that are, sets a date for the ones that trade money for time, and protects what is already in place.
When to stop working, how much to save each month, where to invest. Together, on one screen you follow.
When to stop working, how much to save each month, where to invest. Together, on one screen you follow.
when can I stop working
to stop at 60
R$ 2.240 more per monthor spend 16% less after stopping
how much you need at 62
R$ 4.8 millionin today's money, for R$ 14k a month to last to 90
the life you want
the biggest gap between today and what you want: freedom with time
where to invest
reserve · floor · goals · grow
you asked
How much do I need to save each month to stop working at 60?
and the plan answered with the math
Today R$ 11k a month is left over, and that is enough to stop at 62. To stop at 60 with the same safety, you need to save R$ 2.240 more per month. The other way out is spending 16% less after you stop.
| saved today, per month | R$ 11.000 |
|---|---|
| to stop at 60 | R$ 13.240 |
| the difference | R$ 2.240 |
the same example · 44 years old · R$ 500k saved
For each age you might stop, the plan tests many possible futures, with good and bad years in the market, and works out the chance the money lasts to 90. The first age above the bar is the answer.
If the answer above came too late, every year less has a price. The plan says how much, and gives you both ways to pay it.
today R$ 11k a month is left over, and that is enough to stop at 62
Not by the product you were offered, but by what each part of the money has to do, and when.
One more chair at the table. The question isn't whether it's worth it; it's whether the plan can carry it without costing you sleep.
A home that's yours. What changes is what goes out each month, and for how long.
The car you want, or the one that fits the plan. Sometimes they're the same; here they're not.
Five more years of life without an alarm clock. Spending doesn't change; what changes is who pays the bill, and how long it has to last.
Diego and his wife, 40 · spend R$ 15k and save R$ 18k a month
We're thinking about another child. Can we?
What goes out each month
R$ 3k more a month, for about 25 years. R$ 15k a month is left to save, instead of R$ 18k.
Fits comfortably. The plan still closes. The only change is that the money becomes enough eleven months later.
Rodrigo, 40 · earns R$ 40k, pays R$ 5k rent · R$ 800k saved
I want to swap rent for a R$ 2 million apartment, with a mortgage.
What goes out each month
The R$ 14,614 mortgage payment replaces R$ 5k of rent. It takes 37% of what comes in, and the reserve drops from three years to twenty months.
Fits, but it's tight. One bad year of income becomes a housing problem. With a bigger down payment, or six more months of saving, it gets comfortable.
40 years old · earns R$ 40k, spends R$ 20k a month · R$ 1 million saved
A R$ 300k car or a R$ 600k one?
What goes out each month
Running the R$ 300k car costs up to R$ 4,150 a month; the R$ 600k one, up to R$ 5,160. The monthly difference looks small. Across the whole plan, it isn't.
The R$ 300k car fits comfortably. The R$ 600k one doesn't fit today: the chance the money lasts a lifetime drops from 81% to 43%, and replacing it every five years becomes math that doesn't close.
Diego, 40 · the same plan, R$ 2 million saved
What if I stopped working at 55 instead of 60?
What goes out each month
The R$ 15k-a-month lifestyle stays. With no salary from 55, what you saved pays for it, for 35 years or more.
Fits comfortably. Stopping at 55, the chance the money lasts to 90 is 99%, almost the same as waiting until 60. If you want even more safety, stopping at 57 does it.
A 30% market drop right in the year you stop working is the worst possible timing: you're drawing from the portfolio while it's at the bottom. The plan shows what that would do to your money, and what protects you.
What if a crisis hits right when I stop?
A crisis in the first year knocks the chance from 75% to 41%. Stopping with margin, with the floor in place, is what separates a scare from a problem.
The plan stays alive with your numbers. Once a month, you get the one question worth discussing right then, with the math already done for the conversation.
R$ 149 a monthor R$ 1,190 a year
You build the plan now. In the first 30 days, if it doesn't make sense, we refund you, no questions asked.
In the first 30 days, we refund you. No questions asked. The plan you built stays with you.
It does the math: builds the plan from what you declare, tests many possible futures, and answers your questions with numbers that show where they came from. It never promises returns, and when it doesn't know, it asks.
No. You type what you have, what you earn and what you want. Enough never sees your statements and never asks for passwords.
No. Enough says what each part of your money is for and what kind of investment fits each part, with the criteria in plain sight. A product appears as an example of what exists, never as “buy this”.
One question, chosen from your numbers: the one a good friend who knows money would ask you right then. It comes with the math done, so you can decide in minutes.
In a few minutes you have the plan. And it stays with you.
Build my plan