Your starting numbers
Toggle each 1% improvement
💰
+1% savings rate
Saving 1% more per month on your income
📈
+1% investment return
Lower fees, better diversification, or rebalancing
✂️
-1% expenses
Cutting 1% of monthly spending and investing it
💼
+1% income growth
Annual pay rise 1% above your current trajectory
💸
-1% tax drag
Better account structure (super/401k/ISA) saves 1% pa
30-year portfolio difference
—
more wealth from 1% improvements
Portfolio growth over 30 years
Baseline vs with all selected improvements