Assets at life expectancy

This is Wealth multiple's mirror image at the far end of the timeline: instead of checking where you stand today, it projects your entire plan forward - decades of income, spending and market returns - to your life expectancy, and asks whether you land on target.

What it measures

Your projected total assets at your life expectancy, divided by your projected annual expenses at that same age - expressed as a multiple, the same unit as wealth multiple, just measured at the end of the forecast instead of today.

The scale

A "goldilocks" gauge on a 0-20× axis, with a green band of 5× to 10× annual expenses at that age.

• Below 5× — depletion risk. Red near zero, amber approaching 5×.
• 5× to 10× — balanced. The green band.
• Above 10×, toward 20× — high, then unspent wealth, amber then red.

Why this range

The goal isn't to run your portfolio to zero right as you need it most (depletion risk, the red zone below the band) - a plan that just barely lasts has no margin for a bad year, a longer life than expected, or an unplanned expense late in life. But it also isn't to accumulate far more than you'll ever spend (the red zone above the band); wealth that goes permanently unspent represents years of saving, risk-taking or lifestyle trade-offs that didn't need to happen. 5-10× annual expenses at life expectancy leaves a real margin without demanding decades of over-saving.

This is the most uncertain measure on the Analysis screen, by a wide margin: it compounds every assumption in your plan - returns, inflation, spending, life expectancy itself - over what could be 40+ years. Treat it as a directional signal, not a forecast to plan around precisely, and see how it moves under stress in Scenarios.