Here's me when I got home from work today.
103253 / 120000 words. 86% done!
So the 120,000 words is just an estimated word count. But I have just finished chapter 31, and now I only have the epilogue left to write. I highly doubt the epilogue will be 17,000 words long. Or even 7,000. And then there's the revisions.
Here's me about three hours later.
104426 / 104426 words. 100% done!