Your financial health
A single score across the things a planner checks. Tap any weak area to jump to where you can improve it.
Your life, in plain words
The plan as a story — every milestone with an age, from today to the end of the plan.
Budget guide
Where your money goes vs. common guidelines — as a share of your household's after-tax income. The savings line is tied to your goal.
Where will you retire? Cost of living moves your number
Big cities cost more, smaller ones less. Pick where you'll actually retire and your everyday retirement spending — and your FIRE number — scale to that city's cost of living. Leave it on "national average" for a typical city. (Housing and healthcare are set separately above.)
Your emergency fund
A cash buffer is your first line of defence — it keeps a job loss or surprise bill from forcing you to sell investments or borrow. Aim for 3–6 months of living costs.
Protecting your plan
Insurance is what keeps this plan alive if your income stops. Here's roughly how much cover the plan implies — and the gap to close.
How much home can you afford?
A realistic price range from your income — so a future home fits your life without derailing your plan. Adjust the assumptions to match your market.
Where should your savings go?
Your country's accounts, your contribution room, and your tax brackets — turned into an ordered plan for every dollar you save this year.
What moves the needle
The fastest ways to bring your financial-independence date closer — from where you are now.
Compare plans
Your live plan (★) next to pinned snapshots. Pin a plan, change an input, and see the impact.
The journey to financial independence
Projected portfolio in today's money. The dashed line is your FIRE number.
Your life, year by year
Every life phase and big-ticket cost on one timeline — what life looks like on the way to (and through) retirement.
Your retirement, stage by stage
How your annual spending shifts across the phases of retirement — discretionary spending eases with age while healthcare keeps climbing.
Living off your portfolio
Your money through retirement, accounting for spending, your government pension, other pensions and one-off events.
Monte Carlo stress test
1,000 simulated lifetimes with random market returns. Bands show the range of outcomes; sequence-of-returns risk included.
FIRE variants
Different flavors of financial independence and when you'd reach each.
The power of your savings rate
Starting from zero, how many years to financial independence at each savings rate — your real return and withdrawal rate applied.
About this planner
How it works, what's modelled in your country, and how your data is handled. Full methodology & limitations →
How the engine works
Everything runs in today's (inflation-adjusted) money. Your savings grow in three tax buckets (tax-deferred, tax-free, taxable with cost-basis tracking). Retirement withdrawals are solved so spending is met after tax under your country's real brackets — including forced minimums (RMD/RRIF), benefit clawbacks, Medicare surcharges, wealth taxes and your chosen withdrawal order and conversion ladder.
Risk is tested with a 1,000-run Monte Carlo (lognormal returns at your volatility) — success means the money lasts to your planning age on top of every cost in your life plan. A deterministic median path drives the story, charts and lifetime-tax figures.
Honest limits: savings are what you tell us (we don't model payroll/social contributions or every credit); historical-sequence backtesting is not included; figures are planning estimates, not advice.
What's modelled for each country
Privacy & your data
Local-first: your plan lives in your browser only — nothing is sent to any server. Saving creates a file on your device; the optional encrypted save (Alt-click 💾) uses AES-256-GCM so even a stored file reveals nothing without your passphrase.
The only network request is a daily exchange-rate fetch (ECB rates) that contains no personal data.
FAQ
What is a FIRE number? The portfolio that sustainably funds your annual spending: roughly spending ÷ withdrawal rate, grossed up for the taxes your withdrawals will incur in your country.
Why is my plan's success not 100%? Markets vary. We simulate 1,000 lifetimes; success is the share where money lasts to your planning age. 90%+ is generally considered robust.
Are the tax numbers exact? Bracket math is benchmark-tested against official figures in 21+ countries, but real returns omit credits and personal circumstances — treat results as planning-grade, then verify with your tax authority.
Can I plan as a couple across two countries? Yes — separate work countries, separate currencies per income and pension, joint filing where it exists, and survivor planning.
How fresh is the data? —