Calculate Your Enough
The Vision Endowment framework turns "enough" from a feeling into a number, a concrete target rooted in the life you actually want, not the one you've inherited assumptions about. This calculator walks you through it in real time.
This calculator offers a starting point for reflection, not personalized financial advice. Please consult a qualified advisor for decisions specific to your circumstances.
Your Alignment Rate
Your Alignment Rate is the rate at which you must create and receive value to sustain your Life by Design today AND build toward your Vision Endowment over time. This calculation reveals what your time needs to produce — and where the math invites you to expand beyond active income alone.
Use this calculator after you've worked through the Vision Endowment calculator above. The "Annual Savings Target" input below comes directly from your Vision Endowment result.
Your true hourly Alignment Rate reflects what your active time must produce, but there are three layers of income that can fund your life:
1. Active Income — Your Time
Direct exchange of time for money (services, consulting).
2. Leveraged Income — Your Systems
One-to-many value (programs, products, licensing).
3. Asset Income — Your Ownership
Income from what you own (investments, equity, real estate).
Example: If your portfolio generates dividends and rental income, your active income only needs to fund the difference between your lifestyle + savings − asset income. Same lifestyle, lower required hourly rate.
As your Asset Income and Leveraged Income grow, your required Active Income shrinks — until eventually, you're work-optional.
Ready to Architect your Three Layers of Income?
The TRUE WELLTH Integration Workbook walks you through building Active, Leveraged, and Asset income strategies aligned with your values.