A problem with this calculator is that it doesn't consider how your expenses could change if you quit your job and work on something on your own instead. I thi

A problem with this calculator is that it doesn't consider how your expenses could change if you quit your job and work on something on your own instead. I think the big differences are: how much more would you have to pay for health insurance (esp. if you aren't including it on the income side)? and what would you need to pay for office space (such as coworking)? Also, your burn rate could increase a little more if you want to continue doing things that have annual limits (such as contributing the maximum amount to your Roth IRA each year).