About WorthCurve
Retirement is an option. Purpose is personal.
Financial independence is usually sold as an escape hatch: save furiously, hit a number, never work again. We think that framing gets it backwards. FI isn't primarily about escaping work — it's about gaining enough financial strength to choose how you use your time. For some people that means stopping. For most it means something more specific: meaningful work without the financial pressure, fewer hours, a different career, a business, caregiving, service, a real break, or simply certainty that a traditional retirement will hold.
The goal is not to stop contributing. It's to choose how you contribute — and contribution doesn't only mean paid work. Caregiving, family, community, creating, and rest all count. Nobody's worth is their productivity.
What WorthCurve does about it
WorthCurve starts from what you want your life and work to look like, then does honest math: the earliest you could make the change with the plan staying funded (your work-change age), the earliest your investments could carry everything (your full FI age), the minimum the years after the change need to earn (your bridge income), and how sturdy all of it is if markets disappoint (your safety margin). Then it puts your path next to the alternatives — full FI, traditional retirement, working less — so the trade-offs are decisions you make, not surprises you discover.
What we believe
- Decisions, not predictions. Nobody knows what markets will do. Comparing choices under the same assumptions — with the uncertainty drawn on the chart, not hidden behind one confident line — is honest. Pretending to predict the future is not.
- Privacy by architecture. No accounts. Your numbers are computed and stored in your browser, share links keep the data in a fragment that never reaches a server, and one click deletes everything.
- No lifestyle judgment. Wanting to retire fully at 67 is as valid as wanting to quit at 45. The tool computes; you choose.
- Clarity over complexity. The engine models debts, interest, inflation, income streams, and drawdown month by month. The interface asks you three questions and a money sketch.
The full methodology — every formula, assumption, limitation, and the model changelog — lives at how it works.
Who builds this, and why trust it
WorthCurve is independently built and operated — no financial-services company behind it, no affiliate commissions, no products to steer you toward. The reason to trust the numbers isn't who we are; it's that the model is published and checkable: every definition, formula, assumption, and limitation is documented on the methodology page alongside a versioned changelog, the engine is covered by regression tests with independently computed expected values, and your inputs never leave your browser, so there is no incentive to collect them. When errors are found, corrections are noted in the model changelog on that page.
WorthCurve is an educational tool, not financial advice.