Sail Away calc v2

⛵ SailAway Calculator

Monthly Budget ($)

Sailing lifestyle cost

Monthly sailing cost: $4,500

Core assumptions

Your age Inflation (CPI) % Portfolio return %

Cash & investing (pre-departure)

$ Liquid savings $ Investable portfolio $ Annual income (pre-dep)

Saving rate % (of annual income) $ Baseline “land life” monthly cost (cushion math)

Timing

Years until departure (Path B) 5 yrs Retire age (Path C) 60

Social Security

Start age $ Monthly benefit COLA

Partner age (optional)

Spouse SS (auto-synced, editable)

Start age $ COLA

Financing – Path A

Boat loan HELOC

Boat loan

$ Down % APR %

Term (months) Insurance $ % of value

HELOC

$ $ APR %

Interest-only months Amortization months $

$

⚠️ Draw exceeds available.

Loan payment now: $0

Equity at runway end: $0

HELOC warning

Taxes

Enable taxes Earned-income rate % SS taxable % SS tax rate %

Monte Carlo

Enable MC Runs Volatility % (annual)

Stress test

Enable stress Costs +% (sailing) Other income −% Return −pp Inflation +pp

Other recurring income

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