Wealth multiple

Wealth multiple is your net worth measured in units of your own annual spending - not a fixed dollar target, but a moving target that grows with your life stage and gets checked against an age-based benchmark.

What it measures

Net worth divided by your annual essential expenses. Dispono also shows a second read using your total expenses (essential plus discretionary), so you see a range: a more forgiving multiple if every current expense - including the optional ones - had to be sustained, and a tighter one if only essentials counted. The benchmark is scored against the essential-only end, since that's the spending you can't easily cut.

The scale

This is an open-ended, ascending gauge: once you're at or above the benchmark for your age, more is simply better - there's no upper cap where extra net worth starts costing you anything. The benchmark itself rises with age along a curve like this (multiple of annual essential spending):

• Age 25 → 0×
• Age 35 → 2.5×
• Age 45 → 6×
• Age 55 → 12×
• Age 65 → 21×, held flat after

Your score is compared against a corridor around that curve - roughly 85% to 125% of the benchmark for your age (with a minimum width so the band never gets unrealistically narrow near age 25). Inside the corridor you're "On track"; meaningfully below is "Behind" or "Slightly behind"; meaningfully above is "Ahead".

Why this range

The curve is built to land in the neighborhood of the classic "25× annual spending" retirement target (implying a roughly 4% sustainable withdrawal rate) by a typical retirement age, while giving you credit for the compounding that happens on the way there. A 25-year-old isn't behind at 0× - they haven't had time to compound anything yet. A 45-year-old at 6× isn't behind either, even though it looks small next to the age-65 number, because the curve is deliberately non-linear: growth compounds faster in the second half of a career than the first, so the benchmark accelerates the same way.

Measuring against your own spending rather than a flat dollar figure or your income also matters: a higher earner who spends most of it needs a bigger cushion than a modest earner with the same net worth and lower expenses, because it's future spending - not past income - that a portfolio eventually has to fund.