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Safe Landing Financial

What's Your Work Optional Number?

Take the first step toward planning your work-optional future. Built for tech professionals to estimate the investment portfolio needed to make work optional and the age you could achieve financial independence.

Filled in with example values. Replace them with your own.

About you
$
In today's dollars, after taxes. Include housing, travel and healthcare.
What you have today
$
IRA, 401(k), Non-Qualified Deferred Compensation, etc.
$
Roth IRA, Roth 401(k), HSA, etc.
$
Individual, Joint, and Trust Brokerage Accounts, vested company stock, etc.
What you add each year
$
Including 401(k), employer match, pre-tax IRA, etc. Up to $100,000.
$
Including Roth IRA, backdoor Roth IRA, Roth 401(k), mega-backdoor Roth, HSA, etc.
$
Including taxable brokerage accounts, annual vesting stock compensation, etc.
7.0%
5%12%

Before inflation. The calculator subtracts 3% inflation so every result is in today's dollars.
Social Security
$
Salary and bonus. Earnings above the Social Security wage base ($192,300 in 2027) don't increase your benefit.
67
6270

Other income
Sudden Wealth Event
$
In today's dollars

Get your full Work Optional breakdown

Enter your name and email to unlock the detailed version of your results:

  • Year-by-year projection against your target
  • The extra savings needed to hit your goal age
  • Planning levers ranked by how many years they could save, including Social Security timing
  • Your tax mix and whether your taxable "bridge" covers the years before 59½
  • A one-page PDF of your Work-Optional Map, emailed to you

You'll also receive occasional planning insights from Safe Landing Financial. Unsubscribe anytime. We never sell your information.

Review Your Work-Optional Number With an Expert

This work-optional calculator provides a starting point. Review your financial planning needs to learn how to ensure your work-optional paycheck lasts through your lifetime, pay Uncle Sam less in lifetime taxes, and live your best life confidently.

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Safe Landing Financial LLC is a registered investment adviser. This calculator is provided for informational and educational purposes only and is not an offer or solicitation to buy, hold or sell any security or investment advisory services. Results are hypothetical, are based on the assumptions shown and the information you provide, and do not reflect actual investment results or guarantee future outcomes. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Social Security estimates are simplified and are not a substitute for your statement from the Social Security Administration. Tax estimates are general and are not tax advice. Please visit safelandingfinancial.com for important disclosures.

Safe Landing Financial is a registered investment adviser serving households that are preparing for a work-optional lifestyle or that have recently retired.

What’s Your Work Optional Number?

Take the first step toward planning your work-optional future.
✓ See how much you need invested to make work optional
✓ Find out if your money lasts through retirement
✓ Discover the changes that can help get you there sooner

Find My Number

Takes about 3 minutes. No obligation.

What’s Your Work Optional Number?

Take the first step toward planning your work-optional future.
✓ See how much you need invested to make work optional
✓ Find out if your money lasts through retirement
✓ Discover the changes that can help get you there sooner

Find My Number

Takes about 3 minutes. No obligation.