Escape Velocity Investor - 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

Take-home 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

🔒 The Advanced Edition models your 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 once it crosses EV for good EV Threshold (dashed) — where returns alone cover spending The gold marker is when this retire-on-schedule projection stays above the threshold. The headline “reachable at age” assumes you keep contributing until you cross — so the two ages can differ.

The Advanced Edition goes deeper

FREE ADVANCED

This free calculator shows you your number. The advanced 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.

📊 Year-by-Year Projection

Now you know your number.

The next step is building the portfolio to hit it.

Escape Velocity Investor gives serious investors the research, tools, and frameworks to build long-term wealth without hype.

Read the Framework

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