Step 1 of 5
Welcome to Clearpath
Estimated time
~5 min
Most tools track your money. Clearpath tracks your freedom. We'll spend 5 minutes setting up your personal FI timeline — then tell you exactly how many days closer to independence you moved each month.
What best describes your primary goal?
Reach Financial Independence
Hit a number where work becomes optional — then stop there or keep going.
Early Retirement (FIRE)
Aggressive savings rate targeting full retirement before traditional age.
Build the Number, No Rush
Track progress toward FI while maintaining quality of life. No extreme frugality.
Clearpath never connects to your bank. Monthly manual entry is a deliberate design choice — the 5-minute ritual makes you think about your money instead of passively watching numbers update.
Your savings rate is the single most powerful lever in your FI timeline. Use round numbers — precision comes later. These are your take-home figures after tax.
Monthly Income (take-home)
Monthly Expenses
Your savings rate
53.75%
$4,300 / month going toward freedom
Avg saver: 12-15%
This is your starting line. Round numbers are perfect. Add every account and debt — the more complete this picture, the more accurate your Days to FI calculation.
Assets
Liabilities
Starting Net Worth
$130,900
Assets $318,400 — Liabilities $187,500
41%
to FI
Your FI number is the portfolio size that generates enough passive income to cover your expenses forever. We'll use the 4% rule as the default — you can adjust it below.
Annual spending in FI
How much do you want to spend per year once you reach financial independence? This can differ from your current spending.
Safe withdrawal rate
4.0%The % you'll withdraw annually from your portfolio. 4% is the classic rule. Go lower for more conservatism.
Your FI number
$1,375,000
$55,000 ÷ 4.0% withdrawal rate
Currently at
$130,900
9.5% there
$1,244,100 remaining to grow
Portfolio growth assumptions
After inflation (real return)
For expense projection
Here's what your numbers say about your freedom.
FI Date
Jan 2039
12 years, 9 months from today
Savings rate
53.75%
Monthly invest.
$4,300
goes to freedom
FI number
$1.375M
at 4% SWR
Your monthly "Days Moved" metric is ready
Every month when you log your numbers, Clearpath will tell you exactly how many days closer to January 2039 you moved. If your savings rate drops, we'll quantify the cost in days — not abstract percentages.
Example: Next month's report
If you maintain 53.75% savings rate:
Portfolio projection
Your path to $1,375,000
What-if scenarios — unlocked on your dashboard
Your first monthly check-in is due May 10, 2026. We'll remind you.