Enough number

The point where work becomes optional: when your portfolio can sustainably produce what your salary produces after tax, additional labor income stops being a necessity. This calculator computes that asset level directly — no email gate, every assumption adjustable below.

Annual salary ($)

Current earning assets ($)

Annual savings ($)

Income tax rate

Expected portfolio return

Capital gains tax rate

Your enough number

$3.0M

A portfolio of this size, returning 8% (6.0% after capital-gains tax), produces $180.0K a year — your current after-tax salary.

At your current savings rate you cross it in 16 years.

Method: your after-tax salary is the income to replace. Portfolio income is the expected return net of capital-gains tax, applied to assets. Enough number = after-tax salary ÷ net portfolio return. The projection table shows when your current assets, compounding with annual savings, cross that line. Educational only — not financial advice.