Translated from the Spanish original. Where they differ, the Spanish one holds.
- App: Horalis Growth · Reviewed: 5 October 2026.
- Code:
src/lib/calculator.ts,src/lib/types.ts,src/components/money/goals-section.tsx,src/i18n/goal-text.ts.
Question
How much capital am I missing, and when could I cover my spending without a salary? The person writes their full monthly spending, housing included, in today's euros. They can start from what an average person lives on in a country (official World Bank data, housing included) and adjust the figure; once edited, it becomes their own spending.
Method and sources
No other theory is brought in and no guaranteed independence is projected. The withdrawal rate, the growth, the cost of living and the bad decade chosen in the same calculation are reused for every goal.
- Capital needed = monthly spending × 12 / yearly withdrawal rate.
- Capital missing today = the larger of zero and capital needed − current capital. The bar shows current capital / capital needed, between 0 and 1.
- The date is calculated with the plan's monthly contributions and growth, including a selected bad decade. It does not change the capital or spend it.
- A checkable example: €1,200/month at 4 % needs €360,000; at 3 %, €480,000. With €60,000, €300,000 is missing in the first case.
- There is no universally right rate: the user keeps the 2–7 % slider and the model shows when the money ran out.
Visible limits
The row shows the rate and that the withdrawal model covers 30 years, with no guarantee. The details explain that the money can run out. For someone who stops working young, 30 years may not be enough. It does not calculate taxes, fees, pensions or other income; the person must adjust their spending. A country's estimate is not their personal budget.
Choosing a country as a goal directly adds what an average person lives on there, housing included (a single official figure; see cost of living). It does not mean we know whether the person rents or owns.
"Buy something" asks the person for the name and the price, with a grey example of the kind of figure ("e.g. 15,000"). There is no price list.
Priorities are chosen by the person, not recommendations. Goals are calculated separately; covering several does not mean being able to pay for all of them at once. Marking a star changes neither the money nor the calculation.
Validation
personal-goals.test.ts: capital at 4 % and 3 %, a goal covered and out of reach, EN/ES names, a local file with priorities and an own name, validation of amounts. e2e/money.test.mts: a country with no second step, with the source and years of its figure; "Buy something" with the person's price and its grey example; progress bar, unmarking a priority and editing without it being marked again. The tests of the earlier versions still pass.
History
- 2026-10-05 — Marek's request: important goals of one's own, living without working tied to one's own spending or a country, fewer steps and less text. Local file version 10; versions 1–9 are still read.
- 2026-10-09 (phase A2): a country's goal is a single official figure, housing included (rent can no longer be removed); "Buy something" no longer has a price list. Local file version 11; it reads versions 1–10 and warns about what no longer exists.