Wealth Leak Detector
Pinpoint the choices quietly draining your future net worth — ranked by what they may cost you by age 65.
Your situation
Low investing rate
This decision may cost you approximately $1,080,633 by age 65.
Top 5 wealth leaks
Ranked by estimated lifetime impact.
Low investing rate
$1.1MYou invest about 5.0% of income — 600/mo short of a 15% target.
Fix: Automate an extra contribution each payday until you hit 15% of gross income.
Excessive housing costs
$756.4KYou spend 35% of gross income on housing — about $420/mo above the 28% guideline.
Fix: Trim housing toward 28% of income (downsize, refinance, or add a roommate) and invest the difference.
Excessive car spending
$450.3KYour $650/mo in car costs is about $250/mo above a modest baseline.
Fix: Keep cars longer or buy used — redirect the savings into investments.
Poor employer retirement benefits
$324.2KYou're leaving roughly $180/mo of free 401(k) match on the table vs a 4% match.
Fix: Contribute at least enough to capture the full match — it's an instant 100% return.
Low salary growth
$266.2K2% raises vs a 3% norm widens to a $55,529/yr salary gap by 65.
Fix: Negotiate raises, switch jobs strategically, or upskill — growth compounds on every future paycheck.
Leak resistance
A workable path with room to grow.
The foundation works. Paying down high-interest debt and automating investing are the biggest levers.
Educational estimate — see how we calculateLifetime cost by leak
What each leak compounds to by age 65 if left unfixed.
One leak alone could cost you $1.1M over time.
The full report ranks every leak and shows the exact fix — and what plugging it is worth.
See a sample report first →