Money Checkup
Quick tools to compare your income and net worth, plus simple progress checks for financial independence.
Income Percentile (Canada / US)
Enter values and click calculate.
Net Worth Percentile (Canada / US)
Enter values and click calculate.
Wealth Benchmark (UAW / AAW / PAW)
UAW = Under Accumulator of Wealth, AAW = Average Accumulator of Wealth, PAW = Prodigious Accumulator of Wealth.
-
Expected net worth: -
Your net worth: -
Ratio: -
Explain this in plain language
This compares your current net worth with a rule-of-thumb expected net worth from age and income. It is for learning, not a pass/fail judgment.
FI Progress (25x Rule)
FI means Financial Independence. SWR means Safe Withdrawal Rate, often shown as 4% for rough planning.
Status: -
FI target number: -
Distance to FI: -
Progress: -
Wealth Runway Score
A simple score using savings rate + how many months your net worth could cover spending.
Runway score: -
Savings rate: -
Runway years: -
Status: -
| Runway (years) | Wealth Runway Score | Meaning |
|---|---|---|
| < 1 | 10 | Highly fragile |
| 1-3 | 30 | Job-dependent |
| 3-7 | 50 | Stable buffer |
| 7-15 | 70 | Strong optionality |
| 15-30 | 85 | Semi-independent |
| 30+ | 100 | Financial independence |
Methodology
- Percentile tools use curated percentile points by age group from public datasets.
- If your value falls between two points, we linearly interpolate to estimate percentile.
- Definitions differ across sources: some datasets are individual income, others household metrics.
- Survey timing, sample design, and revisions can affect final estimates.
Author: SimpleReturns Team
Last updated: 2026-02-13
Sources and Update Log
Update log
- 2026-02-13: Initial publication of Money Checkup with source references and methodology notes.
FAQ
Why are results approximate?
We interpolate between published percentile points rather than using full raw microdata.
Do these tools work for beginners?
Yes. Each tool has plain-language explanations and examples.
What is FI?
Financial Independence means your assets can support your spending without active work income.
What is SWR?
Safe Withdrawal Rate is a rule-of-thumb yearly withdrawal percentage, often around 4%.