Lantern Wealth · Financial Framework

Wealth System

See how money moves through your whole financial picture: what you earn, what you spend, what you borrow and what you invest. Set your income, how you split it between spending and investing, and your expected return, then run the model to watch each year unfold.

The goal is the year your investment returns can cover your spending and debt payments on their own. Switch to Advanced to add a home, a mortgage and a starting nest egg.

Household income (after tax)
Annual spend Annual invest
Investment return rate
$80,000
$0 $0
7%
15% invested
House value Mortgage amount
Mortgage rate Payment
$600,000
$450,000
4.5% $0
Years to repay debt (amortization) Starting investment value
4%
25 yrs
$0
INCOME SPEND BORROW $0 INVEST $10,000 PAYMENTS $0 RETURN $0 EARNINGS $80,000/yr EXPENSES $40,000/yr DEBT $0 FINANCIAL ASSETS $0 CASH FLOW "DECISIONS"

Total earnings

$0

Year

0

Total spent

$0

Debt

$0

Net worth

$0

Total assets

$0