Two numbers that reduce anxiety fast: what percent of income becomes surplus, and how many months your cash reserves cover essential spending.
Savings rate
29.2%
Surplus $3,500 / month
Cash runway
4.7 months
Reserves ÷ monthly expenses
Rough FI number
$2,500,000
At 4% withdrawal
Annual surplus: $42,000
Gap to FI number: $2,000,000
Years to close gap at current surplus (no market growth): 47.6
Stewardship note
Include tithing inside expenses if it is non-negotiable — then savings rate measures surplus after fidelity, not instead of it. Aim for enough runway to sleep (often 3–12 months) without hoarding cash that belongs in the long-term plan.
Rough planning math only. The full FI path calculator adds college, mortgage, vehicles, and returns.
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