So when?
Rule two of the manifesto is "Freedom Date > Lambo Date", and until now no freedom date existed anywhere on this site. This one walks the pile forward a month at a time: dividends land, new money goes in, shares get bought, and next month's dividends are bigger because of it. Same maths as the dashboard, pointed at the calendar.
The plan lives in the URL — bookmark it, share it, come back to it.
The Snowball
Run-rate annual income, month by month from August 2026When Each Pillar Finishes
RECI
8,350 → 70,000NCYF
23,050 → 172,000LGEN and SMIF are never bought here — one is an anchor taking selective additions only, the other finished at 100,000 shares in June. Everything the simulation spends goes into the two pillars still being built.
The Levers
On, the pool buys shares every month it can afford one. Off, nothing is bought at all — dividends and new money just sit there as cash and the income line goes flat. That's the control case, and it's the whole argument.
More of this came out of the pile than out of the goblin's pocket. That's the flywheel.
The Rules
- Timing. A month pays on the share count it opened with, so shares bought in one month only start earning the next. Rough, but it's honest about ex-div dates instead of pretending.
- The pool. Dividends land, new money joins them, and whatever isn't spent carries forward. Cash earns nothing — it's a current account, not a holding.
- Where it goes. Into whichever building pillar has the lower regular quarter. RECI pays Jan/Apr/Jul/Oct and NCYF Feb/May/Aug/Nov, so for eight months of the year the floor above SMIF is whichever of the two pays less. Feed the smaller one, lift the floor.
- Whole shares only, at the hand-entered price on each card, never past a target while the other pillar is still short of one. The remainder carries to next month.
- Past the targets the cap comes off and the levelling carries on. A target is a milestone, not a stop sign — and since LGEN never gets bought here, its last 4,000 shares of target income have to be made up somewhere.
- Thirty years and the walk stops. That's what makes "reinvest nothing" answer honestly instead of running forever.
Prices are hand-entered on the cave wall like everything else, from real fills where there was one: NCYF at 52.5p, RECI at £1.25. No live data, no API, nothing that updates itself. Move a price and every date on this page moves with it.
A projection, not a promise. Dividends get cut, prices move, and 30 years is long enough for absolutely anything to happen. What this page is good for: watching the date pull closer every time a buy gets logged.
Play with the numbers instead →