Retire Sooner. With More.
The Secret? Your Surplus.

A Retirement Calculator made to:
Clarify your Future. Maximize your Happiness.

Unlock My Future For Free!


DO YOU WORRY ABOUT THE FUTURE?

The Essential and Surplus Capital
retirement calculator can help you.


Surplus = Freedom
A Surplus is the excess money you’ll never need to maintain your standard of living.

Spend Without Fear
“How long will my retirement savings last?”. Solve this along with dozens of other ‘what ifs’.

Further Savings
Save the $2,500 cost of a comprehensive financial plan.

Transfer wealth, not worries
70% of wealth transitions fail to go smoothly. Use your results to aid your family discussions.

Calculate Your Future at Home
Update your financial plan in less than 20 minutes in the comfort of your home.

Local Community Hero
Experience the joy of giving more to charity and to support local communities.

It’s Never Too Late.
Fulfill Your Dreams,
With Your Surplus.

So many retirees sacrifice the quality of their life today by being overly cautious about tomorrow.

Use It Wisely hopes to set you free by giving you the confidence to finally stop worrying about your finances and start spending it in ways that will fulfill your life.



Don’t waste your
hard-earned money.Use It Wisely.


Portfolio Check
Take this free two minute quiz to assess your portfolio.

TAKE THE QUIZ TODAY


I’ve seen too many people unnecessarily curtail their lifestyle trying to attain even greater wealth. Often leading to unhappiness.

It’s time to change the approach.


Founder

Warren MacKenzie