Financial models built for real planning decisions
Explore premium simulations and calculator-style planning tools for retirement, FI, investing, tax strategy, withdrawals, and debt & housing planning.
Retirement Projection
Project your nest egg, funding gap, and retirement readiness with real-time portfolio growth.
Projected balance
$1,702,233
FIRE Model
Estimate when work may become optional based on savings, returns, and desired annual spending.
Projected balance
$1,702,233
Coast FIRE
See when your current balance may be large enough to grow on its own toward traditional retirement.
Projected coast balance
$1,202,338
Lean FIRE
Model a lower-spend early retirement plan with a disciplined target lifestyle.
Projected balance
$1,546,182
Fat FIRE
Stress test a higher-spend financial independence target with premium lifestyle assumptions.
Projected balance
$1,702,233
Barista FIRE
Model a flexible retirement path that combines portfolio withdrawals with part-time income.
Projected balance
$1,702,233
Retirement Age
Estimate the age you may reach your retirement number.
Target age
55
Retirement Gap
Measure how much additional savings you may need by retirement.
Projected balance
$2,094,413
Compound Growth
Visualize how time and consistent contributions compound into long-term wealth.
Future value
$548,171
Investment Return
Estimate ending value, gains, and the share of growth driven by returns.
Future value
$1,038,888
Dollar-Cost Averaging
Model recurring investments over time and see how consistency builds portfolio value.
Future value
$253,570
Dividend Growth
Estimate how reinvested dividends and price appreciation can accelerate portfolio growth.
Future value
$429,234
Equity Projection
Project the future value of a stock or ETF position with price growth, dividends, and optional reinvestment.
Projected value
$100,431
Dividend Income
Estimate how a stock or ETF position could grow into an annual dividend income stream over time.
Future annual income
$6,491
RSU / Equity Compensation
Model RSU vesting value, estimated taxes, and after-tax equity outcomes across a multi-year grant.
After-tax value
$36,978
ETF Comparison
Compare two ETF paths side by side using growth, yield, fees, and ongoing contributions.
ETF A projected value
$431,551
Home Loan Payoff
Model how extra mortgage payments can change your payoff date, interest cost, and long-term flexibility.
Original payoff date
2056-03-03
Mortgage Extra Payment
See how small recurring mortgage overpayments may change your payoff date and total interest cost.
Original payoff date
2056-03-03
Refinance Model
Compare your current mortgage with a refinance offer and estimate payment changes, breakeven timing, and interest impact.
Current payment
$2,381
Rent vs Buy
Compare the long-term financial tradeoff between renting and buying based on your timeline, mortgage terms, and home appreciation assumptions.
Owner equity
$280,283
Invest vs Payoff Mortgage
Compare directing extra cash to investments versus using it to accelerate mortgage payoff.
Investment value
$126,785
Emergency Fund
Set a cash reserve target and see how long it may take to fully fund it.
Cash target
$31,200
Net Worth
Track total assets, liabilities, and your personal balance sheet in one place.
Net worth
$625,000
Roth IRA
Project tax-free Roth IRA growth from annual contributions and compound returns.
Projected Roth value
$598,501
Traditional vs Roth
Compare the projected after-tax value of Traditional and Roth IRA-style contributions.
Roth after tax
$472,542
Roth Conversion
Estimate the long-term tradeoff of paying tax now for future tax-free withdrawals.
Roth future value
$137,952
RMD
Estimate your RMD based on age, balance, and the Uniform Lifetime Table divisor.
Estimated RMD
$33,962
4 Percent Rule
Translate annual spending into a target portfolio using the classic 4% rule framework.
Portfolio target
$2,000,000
Withdrawal Strategy
Stress test whether your portfolio may sustain retirement withdrawals over time.
Ending balance
$2,838,098