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Free Interactive Projector

Net Worth Projector with Health Multiplier

The most effective way to compound wealth isn't chasing higher returns — it's extending the timeline. UK Biobank data shows optimal health habits add up to 9.45 disease-free years. NBER research proves that working 3-6 months longer equals saving an extra 1% for 30 years.

Geometric salary growth•Tax-drag adjusted•FINRA Rule 2214 compliant

Net Worth Projector

Compound growth with geometric salary scaling, tax drag, and the Health Multiplier

Financial Profile

Advanced Parameters

Health Multiplier

Based on UK Biobank data: optimal habits extend healthspan up to +9.45 years

PoorFairGoodOptimal
PoorFairGoodOptimal
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Estimated Additional Productive Years: +7.3 (Retire at 72 instead of 65)

Net Worth Trajectory (Real Dollars, After Tax)

Standard Path (Retire 65)
$904,688
$3,016/mo safe withdrawal
Health-Optimized (Retire 72)
$1,259,049
$4,197/mo safe withdrawal

The “Double Compound” Effect

Wealth Gained

+$354,361

+39% more at retirement

NBER Equivalence

+19%

equivalent savings rate increase over 30 years

Social Security Boost

+40%

via delayed claiming credits (8%/yr past FRA)

Why Health = Wealth (NBER, 2018): Delaying retirement by just 3-6 months has the same impact on sustainable retirement income as increasing savings by 1% for 30 years. The Health Multiplier uses UK Biobank data (n=59,078) showing that optimal sleep, exercise, and nutrition extend disease-free years by up to 9.45 years. These extra productive years create a “double compound” effect: assets grow longer and the withdrawal period shrinks.

IMPORTANT (FINRA Rule 2214): The projections generated by this tool are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Calculations use a deterministic compound growth model assuming constant real returns. Actual returns vary year to year and may be negative. Default 7% nominal return based on Dimson-Marsh-Staunton Global Returns Yearbook (1900-2024). Savings benchmarks from Vanguard “How America Saves 2024” and Fed SCF 2022.

HEALTH MULTIPLIER DISCLAIMER: The estimated additional productive years are based on population-level actuarial data from the UK Biobank (MedRxiv 2025) regarding the association between lifestyle behaviors and disease-free life expectancy. This does not predict your individual lifespan. Actual health outcomes are influenced by genetics, environment, and unforeseen events. Do not make financial or medical decisions based solely on these projections. Consult qualified financial and medical professionals.

The Convergence of Biological and Financial Capital

Traditional wealth planning treats “health” and “wealth” as separate domains. Wealth is modeled through savings rates, asset allocation, and compound interest. Health is reduced to a fixed “life expectancy” assumption from aggregate mortality tables. This approach fails to capture the most significant variable in retirement planning: the elasticity of healthspan and its direct correlation to human capital preservation.

The Health Multiplier Thesis

The central thesis: health optimization acts as a lever on the Time (N) variable in the compound growth equation. Investors are told to maximize Principal (P) and Rate of Return (r) — but P is constrained by income, and r is subject to market risk. The variable N — the duration of the accumulation phase — is often treated as fixed. Medical evidence shows it doesn't have to be.

UK Biobank: The Evidence (n=59,078)

A landmark 2025 study analyzed the combined impact of Sleep, Physical Activity, and Nutrition (SPAN) on disease-free years:

  • Minimum dose (+5 min sleep, +2 min MVPA, +5pts diet): +1.0 year healthspan
  • Moderate dose (+19 min sleep, +3.4 min MVPA, +21pts diet): +4.0 years
  • Optimal dose (7-8 hrs sleep, >42 min MVPA, top quintile diet): +9.45 years

Crucially, the behaviors are synergistic: achieving healthspan gains via exercise alone requires 29.6 min/day, but combined with sleep and diet only 9.9 min/day is needed. Improving diet alone was insufficient to reduce all-cause mortality by 10% without concurrent sleep or activity improvements.

The Morbidity Gap: Lifespan vs. Healthspan

CDC/NCHS data (2024) shows U.S. life expectancy at 79.0 years. But the WHO's Healthy Life Expectancy (HALE) is only 66.1 years — a gap of nearly 13 years between how long Americans live and how long they're healthy. The Health Multiplier compresses this morbidity phase, extending the functional, productive middle of life — not the decrepit end.

NBER: “The Power of Working Longer”

The seminal NBER Working Paper No. 24226 (Bronshtein, Scott, Shoven, Slavov) established a remarkable economic law:

Delaying retirement by 3 to 6 months has the same impact on sustainable retirement income as increasing the savings rate by 1 percentage point for 30 years.

If 3-6 months equals a career of 1% extra savings, then the 5-10 years provided by the Health Multiplier is transformative. It creates a “Double Compound” effect: assets continue compounding without drawdown (the numerator doubles at 7% over ~10 years), while the retirement period shrinks (25 years at 65 vs. 15 years at 75). You have 2x the assets to cover 40% less time.

Social Security Arbitrage

Health-optimized individuals can confidently defer Social Security claiming from 62 to 70, capturing an 8%/year increase in permanent monthly benefits. The total spread between claiming at 62 vs. 70 is approximately 77% — the largest guaranteed return in personal finance.

How This Calculator Works

Accumulation Engine

The tool projects growth of initial principal and ongoing contributions using a Geometric Gradient Series that models rising contributions as salary grows. Returns are adjusted from nominal to real after-tax using the sequence: Nominal → After-Tax Nominal → Real After-Tax.

Health Multiplier Algorithm

Sleep (30% weight), Exercise (40% weight), and Nutrition (30% weight) scores are combined with a synergy multiplier. When all three are optimal, the synergy bonus pushes toward the full +9.45 year ceiling from the UK Biobank data. Isolated improvements are dampened to reflect the finding that single-factor interventions are less potent.

Decumulation Phase

Post-retirement, the tool applies the 4% safe withdrawal rule (derived from the Trinity Study) to model sustainable income. The Health Multiplier dramatically improves this by both increasing the retirement corpus and shortening the withdrawal period.

Default Assumptions

  • Nominal Return: 7.0% (Dimson-Marsh-Staunton Global Returns Yearbook, 1900-2024)
  • Inflation: 3.0% (historical CPI average 1926-2024: 2.9-3.0%)
  • Salary Growth: 3.5% nominal (Atlanta Fed Wage Tracker, job-stayer median)
  • Tax Drag: 0.5% (tax-efficient index fund in taxable account)
  • Savings Benchmarks: Vanguard “How America Saves 2024” and Fed SCF 2022

References

  • MedRxiv 2025.04.24.25326344v1. UK Biobank SPAN analysis (n=59,078)
  • Bronshtein, Scott, Shoven, Slavov. “The Power of Working Longer.” NBER Working Paper No. 24226
  • CDC/NCHS Data Brief No. 548. U.S. Life Expectancy (2024 data)
  • WHO Global Health Observatory. Healthy Life Expectancy (HALE) data
  • Dimson, Marsh, Staunton. UBS Global Investment Returns Yearbook 2024
  • Vanguard. “How America Saves 2024” — Participant deferral rates by age
  • Federal Reserve. Survey of Consumer Finances (2022)
  • SSA. Delayed Retirement Credits schedule (8%/year past FRA)
  • FINRA Rule 2214 — Requirements for Investment Analysis Tools
  • SEC Rule 206(4)-1 — Marketing Rule for Hypothetical Performance

Your Health Is Your Greatest Asset

Use the projector above to see how health optimization compounds your wealth, then explore our investment tool reviews to build the right portfolio.