Calculator
When could work become optional?
A quick illustration of how we think about planning: money is renewable, time is not. Enter rough numbers and see how spending, saving and one company’s stock shape the timeline.
Your numbers stay in this browser. Nothing is sent to us or anyone else. This is an educational illustration, not advice (details below).
Your “enough” number
Savings rate
of what you take home
How far along
of your “enough” number, today
- 5% a year after inflation
- Range: 3% to 7% a year
- “Enough”
See the numbers
The time cost of spending
Spending isn’t good or bad. The point is to see it in the currency that’s hard to earn back: time.
How much rides on one company
Large single-stock drops happen, even at strong companies. How much of that risk to keep is a personal decision with tax and timing tradeoffs.
How we’d think about it together
A calculator can only show the shape of things. In a Memento Snapshot, we look at your actual accounts, equity grants and tax return, and explore questions like these:
- What does “enough” look like for you, and what would you do with more time?
- How do your vesting schedules, ISOs, NSOs and ESPP fit into the timeline, and what do they mean for taxes?
- How much of your future depends on one company, and how comfortable are you with that?
- Which accounts would you draw from first, and how would taxes change along the way?
- What would change if one of you took a break, changed roles or stepped back?