You need **25× your annual spending** invested to leave the rat race (the inverse of the
4% withdrawal rule). Rat Racer shows how close you are and whether you're running
**toward** or **away** from that finish line.
Nothing is locked. Change any input on **Your Numbers** or **Assumptions** and the
track, KPIs, and finish date recalculate immediately. Your plan saves to browser
localStorage automatically.
1. **Last month spend** — what you actually spent last month (× 12 × 25 = default finish line).
2. **Assets & debts** — enter every category you have; net worth updates live.
3. **Income & expenses** — fixed + variable; savings rate drives your pace.
4. **Race Track** — rat position = progress toward finish; read direction and finish year/age.
5. **Your Levers** — see how +1% savings rate or −$500/mo variable spend shifts the finish date.
Default **25** matches the classic 4% rule. You can raise or lower it on the
Assumptions tab if your target differs.
Use **Export JSON** to back up your plan or move it to another browser.
- Deterministic math only — not Monte Carlo probability.
- No tax buckets or account linking in v1.
- Planning estimate — not financial advice.