A Plan To Stop Working

Find Your
Financial Independence

See exactly when your investments can cover your expenses for good and that number actually holds up for life.

Inputs

Set up your plan

Current Age (yrs)

Life Expectancy (yrs)

Monthly Income

Current Monthly Expenses

Current Investments / Net Worth

Monthly Investment

Emergency Fund / Cash Reserve

Annual Income Growth (%)

Return — Pre-Retirement (%)

Return — Post-Retirement (%)

Safe Withdrawal Rate (%)

Target FIRE Age (yrs)

Expected Inflation Rate (%)

Annual Step-up in Investment (%)

Tax on Withdrawals (%)

Simplified model: applies this % to the full withdrawal amount, not just gains. Real-world capital-gains tax (e.g. LTCG) usually applies only to the gain portion of a redemption, so this can overstate the gross corpus needed at higher tax rates.

Lifestyle Inflation (%)

Debt / EMI

Monthly Debt EMI

Debt Ends At Age

EMI is deducted from your monthly investment, not from existing savings. If EMI exceeds your monthly investment, net contribution floors at 0 rather than drawing down your corpus.

Major Life Goals

Goal 1 Amount

Goal 1 Age

Goal 2 Amount

Goal 2 Age

Retirement Income Streams

Monthly Pension / Income

Income Starts At Age

Monthly Rental / Other Income

Other Income Starts At Age

Advanced Risk Modeling

Return Volatility (%)

Bear Market Shock (%)

Volatility powers the probability estimate. Bear shock tests the impact of a market fall immediately after FI.

You can be financially independent at

—

Progress to today's FIRE number 0%

0% 25% 50% 75% 100%

Advisor View

Planning improvements & reality checks

📉

Real Return (Pre / Post)

—

Nominal return minus inflation, accumulation vs. retirement phase.

🧭

Suggested SWR

—

Based on expected retirement length.

🎯

Needed for Target Age

—

Monthly investment needed.

🎂

Current Age

—

Where the
countdown starts.

🎯

FIRE Age

—

⏳

Years to FIRE

—

Counting down
from today.

🏖️

FIRE Number

—

Corpus needed,
inflation-adjusted.

📤

Monthly Investment

—

Going toward
your freedom.

📊

Progress Today

—

Of today's
FIRE number.

🛡️

Sustainability

—

💰

Net Worth Today

—

What you've
built so far.

🏦

Savings Rate

—

🧯

Invested Corpus

—

Emergency fund excluded.

🎲

Monte Carlo

—

Year-by-year random returns, % of trials that succeed.

🐻

Bear Stress Test

—

Shock at FI age.

Milestones

Your FIRE journey

Lean FI

—

50% of target

Half FI

—

75% of target

Full FI

—

100% of target

Fat FI

—

150% of target

💤 Coast FIRE — the earliest point you could stop contributing entirely and still drift to Full FI on growth alone: —

Breakdown

Progress toward today's FIRE number

—there

Net Worth Today

Gap Remaining

Trend

Net worth vs. the rising FIRE target

Breakdown

Your money vs. compounding

What If

Small changes, different timelines

Scenario	FI Age	Change vs. plan

Ledger

Year-by-year projection

Age / Year	Phase	Op. Balance	Cashflow	Growth	Cl. Balance

Find YourFinancial Independence

Find Your
Financial Independence