Rat Racer

**Slug:** `rat-racer`

**Classification:** Web Application

What this is

A financial independence tracker framed as a **rat race**: you need **25× your annual

spend** to cross the finish line. Enter your net worth, spending, and savings rate

to see **direction** (forward or backward), **pace**, and the **year and age** you

cross — plus levers you control.

**Every input is editable.** Change any number and the track updates live.

Quick start

Open the app locally:

```bash

cd delivery-package/rat-racer/app

node server.js

```

Open **http://localhost:3860** (required — opening `index.html` directly will not load the app).

Verify

```bash

node delivery-package/rat-racer/verify.mjs

```

Inputs (all editable)

| Group | Fields |

| --- | --- |

| Profile | Age, last month spend |

| Cash flow | Income, fixed expenses, variable expenses |

| Assets | Brokerage, 401(k), pension, SS PV, home equity, RSUs, crypto, real estate, other |

| Debts | Credit cards, car, student loans, mortgage, other |

| Assumptions | Finish multiplier (default 25), inflation 2.5%, equity/bond/MM returns and allocation |

Assumptions (defaults)

- Inflation: **2.5%**

- Returns: **8%** equities, **4%** bonds, **2%** money markets

- Allocation: **80 / 15 / 5**

Planning estimates only

Deterministic projection — not a probability forecast. See `proof/LIMITATIONS.md`.

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