Start with the question
You probably did not come here looking for a calculator. You came here trying to figure something out. Pick the question closest to yours. WealthClock shows the inputs, the math, and what can change the answer.
Frequently asked
Start with today: assets minus liabilities. Then separate the investable portion from the rest, because a home, cash, investments, and debt do not all move at the same rate.
WealthClock’s homepage calculator models this as a transparent scenario rather than a prediction.
Use your numbers →Start with the spending your portfolio would need to support, subtract reliable retirement income, then compare that target with your current portfolio and ongoing contributions.
WealthClock estimates a timeline using the return and withdrawal-rate assumptions you choose. It is a planning scenario, not a retirement date prediction.
Estimate my timeline →The answer depends on your current balance, how much you contribute, any employer match, the years until retirement, and the return assumption you test.
A dedicated 401(k) calculator can add contribution limits, match rules, and retirement timing. Until then, WealthClock’s compound-growth tool models the balance + recurring-contribution core of the question.
Model the growth core →Income alone cannot answer it. A useful planning range also needs your monthly debts, down payment, interest rate, property taxes, homeowners insurance, and—when applicable—HOA costs or mortgage insurance.
This is on WealthClock’s next-calculator list. The goal is a range you can stress-test, not a single “approved” price pretending every lender and household is the same.
How WealthClock handles assumptions →More questions, live now
Work backward from a future target to a monthly contribution.
Run the goal math →Change the balance, contribution, return assumption, and timeline.
See the growth math →Put two annual fee levels beside each other and watch the long-term gap grow.
Expose the fee drag →Compare two start dates using the same contribution and return assumptions.
Compare the timelines →Choose a future Bitcoin price scenario and let the required BTC amount fall out of the math.
Run the Bitcoin scenario →Start with the BTC you already own. Work backward to the price your target would require.
Find the required price →Use future price scenarios you choose instead of borrowing someone else’s forecast.
Run the scenario →The WealthClock rule
A number without assumptions is just a claim. WealthClock is built so you can see what went into the result, change the inputs, and run a different scenario yourself.