WEBX UNITED • DREAM BUILDER
          
          
My Dream Retirement
          
Build your retirement target from your own numbers. Change the assumptions, test scenarios, and see the savings path required to close the gap.
        
        
Scenario Planner
      

      

        Your numbers. Your assumptions. This calculator performs math using values you enter. It does not predict investment, token, dividend, tax, or retirement outcomes and is not financial, investment, tax, or legal advice.
      

      

        

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1
Your Retirement Timeline
Start with the date you are working toward.
          

            Current age
            Target retirement age
            Target retirement year
            Planning horizon after retirement (years)
          
        

        

          
2
Income, Saving & Recurring Retirement Income
Keep income together in one place: what you earn today, what you save, and the recurring income you expect in retirement.

          
Current income & saving
          

            Current annual income ($)
            Your retirement contribution per pay period ($)
            Employer match per pay period ($)
            Pay frequencyWeekly (52)Every 2 weeks (26)Twice monthly (24)Monthly (12)
          

          
Current investment income
          

            Current stock dividends ($/yr)
            Current bond / Treasury interest ($/yr)
            Current CD / money-market interest ($/yr)
            Other current investment distributions ($/yr)
          

          
Expected recurring income at retirement
          

            Social Security ($/mo)
            Pension ($/mo)
            Rental income net ($/mo)
            Business / consulting income ($/mo)
            Annuity / recurring income ($/mo)
            Other recurring income ($/mo)
          

          
Expected investment income at retirement
          

            Expected stock dividends ($/yr)
            Expected bond / Treasury interest ($/yr)
            Expected CD / money-market interest ($/yr)
            Other expected investment distributions ($/yr)
          

          
Additional recurring income sources
          
Add only the income sources you actually expect. Examples include network marketing / residual income, royalties, consulting, a side business, or other recurring income.
          

          + Add Another Income Source

          

            
Current annual investment income$0/yr
            
Expected annual investment income at retirement$0/yr
            
Recurring income before certificate scenario$0/mo
            
Total recurring income incl. available certificate scenario$0/mo
          
        

        

          
3
Retirement & Investment Assets
Enter the balances you have today. These use your selected growth assumption until retirement.
          

            401(k) / 403(b) / employer plans ($)
            IRA / Roth IRA ($)
            Brokerage / investments ($)
            Cash / savings earmarked for retirement ($)
            Other retirement assets ($)
            
Investable assets today$0
          
          
Additional investment assets
          
Use this for another account or asset you want counted in the retirement projection without leaving unused boxes on screen.
          

          + Add Another Investment Asset
        

        

          
4
Home & Real Estate
Home equity is displayed separately unless you choose to use some or all of it toward the retirement target.
          

            Current home value ($)
            Mortgage balance ($)
            Monthly mortgage payment ($)
            Mortgage payoff year
            Other real estate equity available for retirement ($)
            How should current home equity be treated?Show it, but do not count itCount all current equityCount a custom amount
            
          
          

            
Current home equity$0
            
Equity counted toward target$0
          
        

        

          
5
Monthly Living Costs
Use exact amounts when you know them or your best estimate. These establish the lifestyle your retirement must support.
          

            Property tax / rent ($/mo)
            Utilities ($/mo)
            Food / groceries ($/mo)
            Transportation / fuel ($/mo)
            Auto payments ($/mo)
            Insurance other than health ($/mo)
            Healthcare / medications ($/mo)
            Debt payments ($/mo)
            Subscriptions / memberships ($/mo)
            Entertainment / dining ($/mo)
            Giving / family support ($/mo)
            Miscellaneous ($/mo)
          
          

            
Current monthly living costs$0
            
Current annual living costs$0
          
        

        

          
6
Annual Lifestyle & Big-Ticket Costs
Trips, hobbies, family events, vehicle replacement reserves, and other periodic costs belong in the retirement plan too.
          

            Travel / vacations ($/yr)
            Hobbies / recreation ($/yr)
            Vehicle replacement reserve ($/yr)
            Home repairs / maintenance ($/yr)
            Family / gifts / events ($/yr)
            Large purchases / projects ($/yr)
            Other annual lifestyle costs ($/yr)
          
          
Annual lifestyle add-ons$0
        

        

          
7
Crypto, WFI & Alternative Assets
Keep WFI and Ownership Certificates as dedicated scenarios, then add any other digital assets you want included. All values are your assumptions, not WebX forecasts.

          
WFI & Ownership Certificate scenario
          

            Ownership certificates held
            Assumed annual dividend per certificate ($)
            Dividend availability/start year
            WFI tokens held
            User-assumed WFI token value at retirement ($)
            WFI availability year
          

          
Other crypto / digital assets
          
Add a crypto or digital asset only when you want it included in this scenario. Enter your own assumed value per unit and availability year.
          

          + Add Another Crypto Asset

          

            
Assumed annual certificate dividend$0
            
Assumed WFI token value$0
            
Other crypto / digital asset scenario value$0
          
        

        

          
8
Planning Assumptions
These are scenario controls, not forecasts. Change them to see how the plan reacts.
          

            Annual growth before retirement (%)
            Annual inflation (%)
            Withdrawal-rate assumption (%)
            Target methodCalculate from retirement income gapUse my own target balance
            
          
        

        

          
9
Your Financial Freedom Snapshot
See how your projected recurring income compares with the monthly income level that would feel financially free to you.

          

            Monthly income that would feel financially free ($/mo)
              
            
            

              Financial freedom income target
              $0/mo
            
          

          

            
Projected recurring income$0/mo
            
Freedom income gap / surplus$0/mo
            
Recurring-income coverage0%
          

          

            
Your Financial Freedom Milestones
            

              

                1 • Financial Stability
                Calculating…
                

              
              

                2 • Financial Flexibility
                Calculating…
                

              
              

                3 • Financial Freedom
                Calculating…
                

              
            
          

          

            

              

                
What-If Lab
                
Compare one change against your current plan.
              
              Scenario
                
                  Retire 2 years later
                  Retire 1 year later
                  Retire 3 years later
                  Save $250 more per month
                  Save $500 more per month
                  Retirement expenses 10% lower
                  Retirement expenses 10% higher
                  Do not count home/real-estate equity
                  Do not count WFI token scenario
                
              
            
            
Retire 2 years later
            

              

                
Current Plan
                
Retirement year—
                
Projected assets$0
                
Monthly income gap$0/mo
                
Funding gap / surplus$0
                
Additional savings needed$0/mo
              
              

                
What-If Plan
                
Retirement year—
                
Projected assets$0
                
Monthly income gap$0/mo
                
Funding gap / surplus$0
                
Additional savings needed$0/mo
              
            
            

          
        

        

          
10
Your Complete Retirement & Financial Freedom Snapshot
This summary updates automatically as you change your assumptions.

          

            
Retirement target—
            
Desired monthly freedom income$0/mo
            
Projected recurring income$0/mo
            
Freedom income gap / surplus$0/mo
            
Projected assets$0
            
Retirement funding gap / surplus$0
          

          

            
Calculating…
            

          

          

            
Years until retirement0
            
Projected retirement spending$0/mo
            
Expected recurring income$0/mo
            
Monthly income gap$0/mo
            
Target retirement nest egg$0
            
Projected assets at retirement$0
            
Funding gap / surplus$0
            
Current home equity$0
            
WFI token scenario value$0
            
Other crypto / digital assets$0
            
Certificate dividend scenario$0/yr
            
Investment income at retirement$0/yr
          

          

            
Your Required Savings Path
            

              What these numbers mean
              
Calculated from the numbers and assumptions above.
            
            

              
Required savings contribution / month$0/month
              
Required weekly$0
              
Required every 2 weeks$0
              
Required twice monthly$0
              
Your current total contribution$0/month
              
Contribution adjustment$0/month
            
          

          

            
How This Snapshot Was Built
            

              
Current investable assets$0
              
Projected growth of current assets$0
              
Projected value of current contributions$0
              
Usable home/real-estate equity$0
              
Available WFI / crypto scenario value$0
              
Annual retirement spending$0
              
Annual recurring income$0
              
Annual investment income$0
              
Annual uncovered income need$0
            
          

          

            
My Next 3 Moves
            
These are calculation-driven planning prompts based on the numbers you entered. They are not investment recommendations.
            

              
Calculating…
              
Calculating…
              
Calculating…
            
          

          

            
Assumptions You Chose
            

          

          

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WebX United • My Dream Retirement • Scenario-planning calculator. Results depend on the values and assumptions entered by the user.