The Autonomy Calculator
How much do you actually need to step off the productivity treadmill? Find your baseline number, and see how close you are to practicing on your own terms.
Where are you now?
What does your life cost?
Your Retirement Number
$1,500,000
The portfolio that covers $60,000 of expenses a year, indefinitely — withdrawing 4% in year one, then adjusting slightly each year to keep pace with inflation.
* Assuming 30-year retirement windows (Trinity Study, Cooley, Hubbard & Walz, 1998). Planning to retire early? A longer horizon of 40–50 years favors a more conservative 3.5% rate.
Your timeline to autonomy
Years until you can drop to part-time
5.5 yrs
At age 38, you cross the “Coast” threshold. You could stop saving, work just enough (PRN or part-time) to cover your bills, and your portfolio finishes the climb to your retirement number on its own by age 65.
This is the strict math. The floor at which the numbers alone would allow you to stop contributing. Most clinicians who go part-time still contribute something, and the full decision involves healthcare coverage, tax changes, employer match, childcare costs, and your household situation. The number above is the math anchor, not the full decision.
What about full early retirement?At your current pace, you'd hit your full target at age 54 (22.5years from now). For most rehab pros that's a long climb, which is why the Coast milestone above is usually the more practical goal.
Your “Coast” Threshold
$160,852
Left alone with no further contributions, this amount will grow to reach your retirement number of $1,500,000 by age 65 — no further contributions needed. Hitting this threshold is an incredible milestone for personal and professional agency.
$110,852 more invested would put you over the threshold today.
We'll email you a link to come back to it any time.
Keep exploring
Revisit any phase of the journey
Jump back to debt payoff, wealth building, or autonomy whenever you want to run new numbers.
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