Card required to start — cancel anytime before the trial ends and you won't be charged.
Your numbers sync automatically across devices.
Getting started
Fill in Core numbers, hit "Save & recalculate," then explore the optional sections below for a more precise number.
Saved scenarios
Save your current inputs as a snapshot, then switch between as many as you want. Loading a scenario replaces what's on screen — save first if you want to keep it.
Name
Saved
Core numbers
The baseline inputs every calculation below builds on.
Inflation & taxes
Adjusts your numbers for real purchasing power and after-tax value.
Flat effective-rate estimates, not bracket-by-bracket — consult a tax pro for precision.
Passive / rental income (optional)
Roth IRA & bridge plan (optional)
Grows separately and unlocks at your access age — doesn't affect your bridge number, but boosts what's available after.
Traditional 401(k) / IRA & employer match (optional)
Tax-deferred growth, taxed as ordinary income on withdrawal.
Social Security (optional)
Today's dollars. Offsets self-funded costs once it starts.
Lump-sum windfalls (optional)
Family / life-event plan (optional)
▼
Model marriage, kids, tuition, housing, and everyday costs into your future cost curve.
Kids — add, remove, or rename any number
Uses the per-stage cost fields above, starting from each kid's birth age.
Name
Your age at birth
Temporary expenses (optional)
▼
Anything with a start and end age — a car loan, a lease, a fixed-term debt.
Label
Annual
Ages
FIRE number & projection
Chart library failed to load from the internet — check your connection, try disabling any ad/content blockers for this page, then reload. (Everything else on this page still works without it.)
Year-by-year projection (to age 100)
▼
Every year from your current age to 100: while working, your portfolio balance, contributions, and investment growth. Once you hit your FIRE number, it switches to withdrawal mode — your first year's withdrawal is set at your SWR% of the portfolio, then held flat in today's dollars (grows with inflation each year after, per the classic 4% rule) while the portfolio keeps growing/shrinking on its own returns. "Today's $" columns strip out inflation so you can compare every year in the same purchasing power as right now.
Simplified single-pool model for this table (combines brokerage/Roth/traditional into one after-tax balance once withdrawals start) — the top FIRE stats above use the full tax-aware, per-account simulation. Treat this table as directionally detailed, not a tax plan.
Age
Phase
Family cost
Family cost (today's $)
Wages
Portfolio (start)
Contributions
Investment growth
Withdrawal
Portfolio (end)
Portfolio, today's $
FIRE # required
Market volatility stress test (Monte Carlo)
▼
Runs 1,000 randomized-return scenarios to test a bad sequence of returns, not just a fixed average.
Bridge to Roth access & withdrawal plan
What you need outside your Roth to self-fund until it unlocks.
Subscription version — cancel anytime from Manage billing above.
This tool provides estimates for educational purposes only and is not financial advice.
Questions or an issue? jchoihllh@gmail.com