What if I sold my business?
Selling is the moment a large part of your net worth turns into money you can actually use, and the moment the income the business paid you stops. The size of the proceeds matters, but so does when they arrive, where they go, and what the plan looks like with that income gone.
What the sale turns on
- The net amount you expect after costs and any tax, which is your figure to enter.
- The month of the sale, and the income from the business that stops with it.
- Earn-outs or instalments, and the months each of those payments would land.
- Where the proceeds go — reserve, investments, paying off debt, or a mix of them.
- What the rest of the plan looks like once business income has ended for good.
Keep it, or sell it
Compare keeping and selling the business from the same starting month and over the same period. In the sale variant, make sure business income ends in the month of sale. This matters because selling replaces an ongoing income stream with a single accessible sum.
Then look at the year you could stop working in each variant, not only the balance. A sale can raise net worth and still leave the plan tighter month to month if the proceeds go somewhere you cannot reach quickly. Where the money lands matters as much as how much of it there is.
Questions worth testing
- How does the year you could stop working differ between keeping and selling?
- What does the plan look like if the proceeds arrive in instalments over three years?
- How much of the result depends on the sale price you assumed?
- Which destination for the proceeds leaves the plan steadiest in the first years?
How to read the result
The sale price is the number you enter — Worthifi does not value a business, applies no multiple, and forecasts no revenue. It does not settle the tax either: share and asset sales, holding periods and exemptions depend on your situation and belong to a tax adviser, so enter the amount you expect to keep after costs and tax. This is a planning illustration, not tax, legal or financial advice.
How it works in the app
Override the valuation to an exit multiple, then sell the business and send the proceeds to your investments. See exactly how the exit moves your Could-stop-working year — work five more years, or sell now.
- Open the business, then tap “Override assumptions” to set the exit valuation multiple.
- Tap “Sell an asset”, choose the business, and allocate the proceeds.
- Check the change in your Could stop working year.
Model this yourself