See where your money takes you.
Simulate every year of your financial life — income, spending, investments, taxes, and debts — and watch the milestones fall into place.
Get startedModel the details other calculators round off.
Most retirement calculators flatten a life into one savings rate and one retirement age. FIREmodeling keeps the texture: the career change, the year off, the house, the kid, the inheritance. Building a plan that looks like yours takes minutes.
- Set the milestones you actually care about
- Plan for independence and everything alongside it
- See the odds your plan holds
- Trade guesswork for a number you trust
Visualize your whole life, then stress-test it.
Drill into any simulated year: taxes, cash flow, withdrawals, estate value. Backtest against a century of real market history, or run 10,000 Monte Carlo trials to see the full spread of outcomes.
Every trial re-runs your whole plan against market history since 1928, or a distribution you tune, then sorts the outcomes: money left over, failed early, failed late.
Follow income and withdrawals through taxes, spending, and debt payments into the accounts they land in, for any year of the plan.
Federal brackets, your state’s, FICA, capital gains, RMDs. Withheld during the year and settled the next, estimated for every year of the plan.
See what each tax strategy is worth. Then keep it.
Layer strategies over your plan without editing it: Roth conversions to the top of a bracket, gain harvesting in 0% years, your own drawdown order, spending that flexes in down markets. Compare the plan with and without, side by side. Lifetime taxes, net legacy, and chance of success all move, and the winner applies in one click.
Get startedReal life doesn’t move in a straight line.
Salaries with raises, part-time years before retiring, pensions, Social Security, RSU grants, rental income, windfalls. Each one carries its own growth model, tax treatment, and start and end — an age, a date, or a milestone.
Order where each year’s surplus goes: top up the cash reserve, max the 401(k), fill the Roth, invest the rest. Shortfalls draw down accounts in the order you choose.
Buy the house at 35, finance it, sell it at retirement with the home-sale exclusion. Down payments, mortgages, property taxes, maintenance, and rental income are simulated inside the plan, not scribbled in the margins.
Deterministic, year by year, to age 120 if you like.
No black box. Each year the simulation resolves milestones, pays income, covers expenses, services debts, grows your accounts, and routes the surplus through your priorities. Last year’s taxes settle as a refund or a bill, like real life. Same inputs, same answer, every time — and every assumption below is yours to change, or to swap for replayed market history.