Wealth Incubator — Free Tools

Escape Velocity Calculator

Financial Escape Velocitynoun

When your portfolio grows faster than the cost of your dream lifestyle — and keeps pulling away.

Start with a scenario, or enter your own numbers below

Where You Are Today

Annual Portfolio Contributions

Income minus expenses. The entire surplus is assumed to be actively invested — not idle savings — working capital generating returns.

Your Investing Assumptions

My portfolio is over $5M

🔒 Members can model their actual asset allocation — stocks, real estate, crypto, bonds — with blended returns per life phase.

Your Retirement Target

Your Escape Velocity Number

The portfolio size where investment returns alone cover your dream lifestyle costs.

Savings rate

Years of compounding

Withdrawal rate at retirement

of the way to Escape Velocity

Portfolio Trajectory

Inflation-adjusted

Portfolio — projected value; turns gold after crossing EV EV Threshold (dashed) — where returns alone cover spending

The Member Edition goes deeper

EVI MEMBERS

This free calculator shows you your number. The member edition shows you whether you'll actually hit it — and exactly which lever to pull when you won't.

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Plan survival odds
Your exact plan run through 1,000 simulated market histories — crashes, lucky streaks, and everything between.

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10 stress tests
Market crash at retirement, lost decades, stagflation, black-swan expenses — see which one breaks your plan.

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What moves your number most
Five levers ranked in dollars and years: returns vs. savings vs. spending vs. time vs. inflation.

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Probability bands + downside floor
The honest range of outcomes on your chart, including the 1-in-10 worst case to plan against.

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Advanced asset allocation
Model your actual portfolio — stocks, real estate, crypto, bonds — with blended returns per life phase.

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Cash-flow X-ray
The year your investment returns start out-earning your lifestyle — your EV crossover moment.

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Tax-aware modeling
Taxes quietly add six figures to most people's number. See exactly how much, estimate your effective rate from your account mix, and learn which lever shrinks it.

Unlock the full calculator →

📊 Year-by-Year Projection

Now you know your number.

The next step is building the portfolio to hit it.

Wealth Incubator is a community of serious investors building long-term wealth through data-driven strategies, not hype. Founded in 2013.

Join EVI Pro → Read the Framework

For educational use only. Illustrative estimates, not financial advice. Does not model taxes — the member edition does.