WealthOS v4: The Diagnostic Engine

Gross Income

Your total annual salary before taxes. The engine will automatically calculate your Stage 3 tax drag and take-home pay.

Liquid Worth

Cash, ETFs, and accessible investments. Do NOT include your family home (illiquid) or superannuation (locked).

Super Balance

Your current total superannuation balance. The engine treats this as locked capital until age 60.

Monthly Spend

All your living expenses: rent/mortgage, bills, groceries, and fun. The math uses this to determine your required retirement nest egg.

Nominal Return

Expected average annual growth of investments. Historically, diversified index funds average 7-10% over decades.

Inflation

The rate at which life gets more expensive. The RBA targets 2-3%. We use this to adjust your future wealth into 'today's dollars'.

The Diagnosis

Your numbers have been analyzed. Here is your primary directive.

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Analyzing...

Status Report

Awaiting data input...

Progress to Target

Freedom Trajectory

Green Line = Your Wealth. Gold Line = 25x Annual Spend (Moving Target).

Target at Age 55

Adjusted Freedom Number

To spend $4,000 (today's value) when you retire, you will need this amount to account for 0 years of inflation.

Current $0

The Gap $0

🦉 The 4% Rule: No Fluff

1. The Core Idea It's a heuristic, not a law. You invest a lump sum (The Egg). You withdraw 4% in Year 1. You increase that amount by inflation every year. Historically, this lasts 30 years.

2. The "Golden Egg" The egg is the capital. You eat the growth, not the goose. If you kill the goose (withdraw too much early), the math fails.

3. The Assumptions

Asset Allocation: Typically 50-75% stocks, the rest bonds. No cash under the mattress.
Horizon: Designed for 30 years. If you are FIRE (40+ years), 4% is risky. Many use 3.5%.

4. The Takeaway Annual Spend x 25 = Required Capital.
It is a starting assumption, not a promise. Flexibility is the only guarantee.

The Diagnosis

Analyzing...

Freedom Trajectory

🦉 The 4% Rule: No Fluff

Compound Growth vs Inflation

Legacy Simulator

Ran Out of Money