Path to own
Turn the goal into a date
Wanting something is not a plan. Capital, income, and time are. Pick any of 71 targets and the model will tell you which of the three is actually standing in your way.
Two tests, not one
The capital test
Can you put the money down? A lease deposit, a marine loan deposit, or the full price of a watch. This one is fixed by saving, and only by saving — a higher income that all gets spent moves it not at all.
The income test
Can you carry it afterwards? Finance payment plus insurance, maintenance, fuel, crew, dockage, or servicing — every month, for as long as you own it. This one is fixed by earning more, and saving harder does nothing for it.
Most people check the price and stop. The price tells you almost nothing, because the two tests fail independently and are solved by opposite actions. The roadmap reports both, then tells you which one is setting your date.
Start with what is closest
The six targets on this site with the lowest monthly commitment. Not the cheapest to buy — the cheapest to keep, which is the number that decides whether ownership lasts.
Tudor · Watches
Tudor Black Bay 58
- Per month
- $10
- Up front
- $3,850
Cartier · Watches
Cartier Tank Must
- Per month
- $14
- Up front
- $3,050
Omega · Watches
Omega Seamaster Diver 300M
- Per month
- $15
- Up front
- $5,300
Omega · Watches
Omega Speedmaster Moonwatch
- Per month
- $17
- Up front
- $6,900
Grand Seiko · Watches
Grand Seiko Snowflake
- Per month
- $18
- Up front
- $4,700
Rolex · Watches
Rolex Datejust 41
- Per month
- $19
- Up front
- $10,200
Cars36
Default threshold: 20% of net monthly income.
- Porsche 718 Cayman$1,345/mo
- Porsche Cayenne$1,543/mo
- Maserati Grecale$1,585/mo
- Porsche Taycan$1,942/mo
- Porsche Panamera$1,966/mo
- Lotus Emira$2,043/mo
- Tesla Model S Plaid$2,067/mo
- Chevrolet Corvette Z06$2,178/mo
- Mercedes-Benz S-Class$2,210/mo
- BMW i7$2,227/mo
- Audi RS e-tron GT$2,465/mo
- BMW M8$2,565/mo
- Mercedes-Benz AMG GT$2,575/mo
- Porsche 911$2,763/mo
- BMW XM$2,780/mo
- Land Rover Range Rover Autobiography$2,815/mo
- Mercedes-Benz G63 AMG$3,109/mo
- Aston Martin Vantage$3,386/mo
- Audi R8$3,532/mo
- Bentley Bentayga$3,839/mo
- Aston Martin DB12$4,221/mo
- Maserati MC20$4,316/mo
- Ferrari Roma$4,341/mo
- Lamborghini Urus$4,408/mo
- Lamborghini Huracan$4,513/mo
- McLaren Artura$4,589/mo
- Lucid Air Sapphire$4,928/mo
- Bentley Continental GT$5,111/mo
- McLaren 750S$5,769/mo
- Ferrari 296 GTB$5,955/mo
- Rolls-Royce Ghost$6,992/mo
- Rolls-Royce Cullinan$7,496/mo
- Rolls-Royce Spectre$7,809/mo
- Ferrari SF90$8,361/mo
- Ferrari Purosangue$9,185/mo
- Lamborghini Revuelto$11,482/mo
Watches21
Default threshold: 5% of net monthly income.
- Tudor Black Bay 58$10/mo
- Cartier Tank Must$14/mo
- Omega Seamaster Diver 300M$15/mo
- Omega Speedmaster Moonwatch$17/mo
- Grand Seiko Snowflake$18/mo
- Rolex Datejust 41$19/mo
- Cartier Santos Large$22/mo
- Rolex Submariner Date$23/mo
- Rolex GMT-Master II$26/mo
- Rolex Sky-Dweller$31/mo
- Rolex Daytona$43/mo
- Vacheron Constantin Overseas$56/mo
- Rolex Day-Date 40$60/mo
- Patek Philippe Calatrava$61/mo
- Audemars Piguet Royal Oak Selfwinding$70/mo
- Audemars Piguet Royal Oak Offshore$73/mo
- A. Lange & Söhne Lange 1$80/mo
- Patek Philippe Aquanaut$85/mo
- Patek Philippe Nautilus 5711$143/mo
- Audemars Piguet Royal Oak Perpetual Calendar$168/mo
- Richard Mille RM 011$447/mo
Yachts14
Default threshold: 25% of net monthly income.
- Absolute Navetta 64$44,657/mo
- Sunseeker Predator 65$63,542/mo
- Tecnomar For Lamborghini 63$90,880/mo
- Ferretti Yachts 720$108,154/mo
- Sunreef 80 Eco$112,517/mo
- Pershing 7X$130,001/mo
- Nautor Swan 88$134,888/mo
- Princess Y85$145,954/mo
- Azimut Grande 27M$151,570/mo
- Sanlorenzo SD96$225,552/mo
- Wally WHY200$323,405/mo
- Benetti Oasis 40M$415,988/mo
- Amels 60$719,850/mo
- Feadship 50m Custom$883,259/mo
Every goal, ranked by what it costs to keep
Monthly commitment combines finance and running costs. Income implied assumes the default threshold for that asset class.
| Target | Up front | Per month | Income implied |
|---|---|---|---|
| Tudor Black Bay 58Watches | $3,850 | $10 | $200 |
| Cartier Tank MustWatches | $3,050 | $14 | $272 |
| Omega Seamaster Diver 300MWatches | $5,300 | $15 | $306 |
| Omega Speedmaster MoonwatchWatches | $6,900 | $17 | $342 |
| Grand Seiko SnowflakeWatches | $4,700 | $18 | $350 |
| Rolex Datejust 41Watches | $10,200 | $19 | $375 |
| Cartier Santos LargeWatches | $7,500 | $22 | $442 |
| Rolex Submariner DateWatches | $14,400 | $23 | $467 |
| Rolex GMT-Master IIWatches | $17,200 | $26 | $525 |
| Rolex Sky-DwellerWatches | $18,900 | $31 | $617 |
| Rolex DaytonaWatches | $31,500 | $43 | $867 |
| Vacheron Constantin OverseasWatches | $27,500 | $56 | $1,128 |
| Rolex Day-Date 40Watches | $43,500 | $60 | $1,200 |
| Patek Philippe CalatravaWatches | $31,000 | $61 | $1,228 |
| Audemars Piguet Royal Oak SelfwindingWatches | $41,000 | $70 | $1,400 |
| Audemars Piguet Royal Oak OffshoreWatches | $39,500 | $73 | $1,450 |
| A. Lange & Söhne Lange 1Watches | $39,000 | $80 | $1,606 |
| Patek Philippe AquanautWatches | $52,000 | $85 | $1,706 |
| Patek Philippe Nautilus 5711Watches | $102,000 | $143 | $2,861 |
| Audemars Piguet Royal Oak Perpetual CalendarWatches | $92,000 | $168 | $3,350 |
| Richard Mille RM 011Watches | $188,000 | $447 | $8,944 |
| Porsche 718 CaymanCars | $9,562 | $1,345 | $6,724 |
| Porsche CayenneCars | $10,727 | $1,543 | $7,715 |
| Maserati GrecaleCars | $10,539 | $1,585 | $7,925 |
| Porsche TaycanCars | $13,331 | $1,942 | $9,711 |
| Porsche PanameraCars | $13,400 | $1,966 | $9,830 |
| Lotus EmiraCars | $13,850 | $2,043 | $10,215 |
| Tesla Model S PlaidCars | $12,461 | $2,067 | $10,336 |
| Chevrolet Corvette Z06Cars | $14,479 | $2,178 | $10,892 |
| Mercedes-Benz S-ClassCars | $15,017 | $2,210 | $11,048 |
| BMW i7Cars | $15,812 | $2,227 | $11,136 |
| Audi RS e-tron GTCars | $18,018 | $2,465 | $12,327 |
| BMW M8Cars | $17,808 | $2,565 | $12,824 |
| Mercedes-Benz AMG GTCars | $17,959 | $2,575 | $12,876 |
| Porsche 911Cars | $20,862 | $2,763 | $13,813 |
| BMW XMCars | $19,649 | $2,780 | $13,900 |
| Land Rover Range Rover AutobiographyCars | $18,934 | $2,815 | $14,073 |
| Mercedes-Benz G63 AMGCars | $22,192 | $3,109 | $15,546 |
| Aston Martin VantageCars | $23,186 | $3,386 | $16,929 |
| Audi R8Cars | $23,692 | $3,532 | $17,658 |
| Bentley BentaygaCars | $26,145 | $3,839 | $19,197 |
| Aston Martin DB12Cars | $29,324 | $4,221 | $21,103 |
| Maserati MC20Cars | $29,380 | $4,316 | $21,580 |
| Ferrari RomaCars | $29,135 | $4,341 | $21,705 |
| Lamborghini UrusCars | $30,576 | $4,408 | $22,038 |
| Lamborghini HuracanCars | $29,472 | $4,513 | $22,564 |
| McLaren ArturaCars | $30,028 | $4,589 | $22,943 |
| Lucid Air SapphireCars | $30,545 | $4,928 | $24,640 |
| Bentley Continental GTCars | $35,603 | $5,111 | $25,555 |
| McLaren 750SCars | $38,706 | $5,769 | $28,844 |
| Ferrari 296 GTBCars | $39,985 | $5,955 | $29,775 |
| Rolls-Royce GhostCars | $45,643 | $6,992 | $34,962 |
| Rolls-Royce CullinanCars | $50,041 | $7,496 | $37,481 |
| Rolls-Royce SpectreCars | $49,900 | $7,809 | $39,046 |
| Ferrari SF90Cars | $60,192 | $8,361 | $41,807 |
| Ferrari PurosangueCars | $51,833 | $9,185 | $45,925 |
| Lamborghini RevueltoCars | $71,514 | $11,482 | $57,411 |
| Absolute Navetta 64Yachts | $560,000 | $44,657 | $178,628 |
| Sunseeker Predator 65Yachts | $680,000 | $63,542 | $254,167 |
| Tecnomar For Lamborghini 63Yachts | $840,000 | $90,880 | $363,520 |
| Ferretti Yachts 720Yachts | $1,380,000 | $108,154 | $432,617 |
| Sunreef 80 EcoYachts | $1,560,000 | $112,517 | $450,068 |
| Pershing 7XYachts | $1,520,000 | $130,001 | $520,005 |
| Nautor Swan 88Yachts | $1,900,000 | $134,888 | $539,550 |
| Princess Y85Yachts | $1,840,000 | $145,954 | $583,817 |
| Azimut Grande 27MYachts | $1,960,000 | $151,570 | $606,279 |
| Sanlorenzo SD96Yachts | $3,100,000 | $225,552 | $902,207 |
| Wally WHY200Yachts | $4,600,000 | $323,405 | $1,293,619 |
| Benetti Oasis 40MYachts | $5,900,000 | $415,988 | $1,663,952 |
| Amels 60Yachts | $10,400,000 | $719,850 | $2,879,400 |
| Feadship 50m CustomYachts | $13,600,000 | $883,259 | $3,533,035 |
Frequently asked questions
- How do you manifest a car, watch, or yacht?
- The version of that question worth answering is arithmetic. Any purchase of this kind imposes two separate requirements: capital at the outset, and income able to carry the running costs afterwards. Neither responds to visualization. Both respond to a saving rate, an income trajectory, and a willingness to consider a cheaper route to the same experience. These pages calculate all three from figures you supply.
- Why does the roadmap use two separate tests?
- Because they fail independently, and people usually only check one. Someone can have the deposit for a supercar years before their income can absorb the payments, insurance, and servicing. Someone else can comfortably afford the monthly cost but has nothing saved. Checking only the price tells you nothing about which situation you are in, and the two are fixed by completely different actions.
- What percentage of income should go to a luxury purchase?
- There is no regulation, only convention. A widely cited guideline caps total vehicle costs at around 20% of net monthly income. For yachts, where running costs dominate, a more conservative 25% ceiling on all-in costs is a common planning figure. For watches, which are typically bought outright, the constraint is the purchase itself rather than a monthly payment. Every threshold on this site is adjustable, and the default is printed next to the result.
- Is the projected date a prediction?
- No. It is an extrapolation of the figures you enter, assuming steady income growth and steady returns. No real career or market behaves that way. The value is in the comparison between scenarios — which lever actually moves the date — rather than in the date itself.
- Does this replace financial advice?
- It does not, and it is not intended to. This is a calculator that performs stated arithmetic on numbers you provide. It does not know your tax position, debts, dependants, job security, or goals, and it makes no recommendation about whether any purchase is wise. For decisions of this size, speak to a qualified adviser.