When could I stop working?
The year you could stop working depends on more than the size of your investments. Accessible savings, regular spending, passive cashflow, future income changes and the length of the plan all affect whether your money lasts.
What shapes the answer
- Your current income and the spending your household needs each year.
- Savings you can access and investments you could draw from.
- Debt payments and other commitments that continue after work ends.
- Passive cashflow, planned income changes and any later recurring income.
- The final year of the plan and the return, growth and reserve assumptions behind it.
Compare the timing, not just one target number
Start with your baseline plan, then test an earlier or later end to earned income while keeping the rest of the plan consistent. This separates the effect of the retirement date from unrelated changes.
Check accessible money as well as net worth. A plan can still own valuable long-term assets while running short of money available for everyday expenses.
Questions worth testing
- What happens to accessible money in the first years without earned income?
- Does the plan still last if spending is slightly higher than expected?
- How much of regular spending is covered by passive cashflow?
- Which uncertain assumption moves the result the most?
How to read the result
The result is an illustration based on the dates, amounts and assumptions in the plan. It is not a prediction of investment returns, inflation, pension income or how long you will live, and it is not financial, investment, tax or pension advice.
How it works in the app
Every plan already computes the earliest year you could stop earning and still stay solvent to the plan's final year — no event to add. It also shows your financial independence coverage: the share of expenses your passive cashflow already covers.
- Open the Dashboard.
- Find the “Could stop working” card in the Financial independence section.
- Check the year, and the Coverage % beside it.
Model this yourself