Every plan works backward from one number: how much you need coming in each month to feel free. Enter your numbers below. Everything saves on this device so you can return and refine.
Step 1: Your monthly freedom number
How much income do you need coming in every month to fully cover your life, or replace your retirement draw?
You need about
$0
coming in per year to reach your freedom number.
Step 2: The portfolio that could support it
A common planning guideline is that you can draw a small percentage of an invested portfolio each year. Lower percentages are more conservative. This is a rough estimate, not a rule and not a promise.
Rates above about 4 to 5 percent lean on income like dividends or staking yield, which rise and fall and are not guaranteed. Treat the higher options as optimistic, not safe, and leave yourself room so a slow year does not eat into your principal.
A rough portfolio target
$0
invested and working, as one illustrative planning estimate.
Step 3: Where you are now, and the gap
Optional. Enter what you have invested today to see the distance to your target. A gap is not a verdict. It is a direction.
Distance to your target
$0
Enter your current total to see the gap.
Step 4: Your 1, 5, and 10 year wealth numbers
From Roadmap 1, Week 1. Naming these turns a wish into a target you can steer toward. Write what feels real, then revisit as you learn your true capacity to invest.
Step 5: What would XRP need to reach?
A fun math exercise, not a prediction and not a claim that XRP will reach any price. It simply shows the price your XRP alone would need in order to equal your goal.
For your XRP alone to reach your goal
$0
Enter your XRP amount to see the illustrative price.
Please read. Every figure on this page, including the XRP price, is an illustrative planning estimate only. Nothing here is a prediction, promise, guarantee, or financial advice, and Dr. Kay is not acting as your financial advisor here. XRP and all markets move, and everyone's situation is different. Always do your own research and speak with a licensed professional about your own circumstances.