FIRE Planner

THE LIFE YOU’RE BUILDING☀

More time for
what matters.

YOUR FINANCIAL INDEPENDENCE NUMBERAt target retirement

Today’s funding progress

INVESTED TODAY

TARGET RETIREMENT AGE

↗Projected retirement age

⇄Monthly surplus

Income minus living expenses

◔Savings rate

Share of income left after expenses

◎Monthly investment needed

Your wealth, over time

A projection from today through retirement.

Building wealthIn retirement

FIRE snapshot

Observations

What your numbers mean, in plain words, worked out from your own assumptions.

These are what-if calculations from the inputs you entered. They are not financial advice or a view on whether your return and inflation assumptions are achievable. For decisions about real money, speak to a registered investment adviser.

Make space for life along the way.

Big moments belong in your retirement plan, too.

THE PLAN AT A GLANCE

Required at your target retirement age

How this calculation works

Yearly cash flows occur at the beginning of each year, followed by growth. Contributions increase annually until retirement. Expenses and pension rise with inflation. Each goal grows at its own inflation rate (your plan rate unless you set one) and is withdrawn from this same portfolio at its scheduled age; money coming in is added the same way. Retirement income streams reduce spending while they last, rising with inflation unless marked fixed. Tax on withdrawals is the share of each withdrawal lost to tax: at 20%, covering ₹80 of spending or goals means withdrawing ₹100. Money coming in is treated as already taxed.

Returns are effective annual nominal assumptions. No taxes, fees, or random market returns are modeled. The forecast finds the earliest whole age that funds the plan through the selected horizon.

These are scenarios, not guarantees or investment recommendations.

Your investments, holding by holding

Split your retirement investments into holdings. Their total becomes your retirement investments figure.

The milestones along your way.

Big expenses and money coming in both flow through your retirement portfolio. Enter each amount in today’s money. It grows at its own inflation rate until the year it happens.

The effect on your freedom

These items use the same savings pool as your retirement, so they are never counted as extra assets.

Income during retirement.

Rent, an annuity, EPF or a spouse’s pension reduce what your portfolio has to pay each year. Enter amounts in today’s money.

Your retirement income

Different paths. One life.

Save a snapshot, change your assumptions, and compare the results.

Snapshots remain in this session unless you enable “Save on this browser.” Up to five snapshots.

1,000 possible futures

Your balance in today’s money when returns rise and fall at random around your assumptions.

Middle 80%Middle 50%TypicalSteady returns

Stress settings

Return volatility (%)

How much returns swing from year to year: roughly 15–18% for all equity, 8–12% for a balanced mix, 3–5% for mostly debt.

Confidence for safe spending

TIMING MATTERS

How the stress test works

Each simulated future draws a fresh return for every year: your assumed return (before or after retirement) plus a random swing sized by volatility, following a bell curve and floored at −90%. Everything else — contributions, spending, goals, income and tax — follows your plan exactly.

A future succeeds if the portfolio never runs short before your planning age. Because gains and losses compound unevenly, the typical outcome is usually below the steady-returns line even though average returns match your assumption.

Results are repeatable for the same plan; “New random futures” draws a different set. This is a model of uncertainty, not a forecast or advice.

YOUR NEXT CHAPTER

Make work
optional.

A date to look forward to.

This is your chosen date, separate from the model’s projected retirement age.

Target date

The financial model uses your target age. Changing this countdown date does not change that assumption.

Appearance

iPhone, iPad, and Mac Home Screen widgets are planned for the native apps. This website offers an in-page countdown.

Currency & exchange rates

Change the plan’s currency by converting all monetary values—including goals and snapshots.

Only currency codes are sent to Frankfurter when you request a rate. Your amounts stay here. Reference rates are not live trading prices. About the rate source ↗

Your data stays with you.

Theme

Your theme choice is remembered on this device, separately from your plan.

No finance account, analytics, or financial-data server. By default, closing or reloading this page clears unsaved changes.

Save on this browserOptional local storage on this device

Browser storage is not an encrypted vault and may be cleared by your browser. Use a trusted device. It does not sync with the future iPhone app.

Paste plan data

Plan data

Copy your plan data to move it to another device or keep a backup. It contains your numbers, so keep it somewhere private.

Privacy and model limitations

Your plan is calculated in this browser. Hosting services may process ordinary connection information. Exchange-rate requests are optional. Print/PDF creates a copy wherever you choose to save it.

The financial model uses steady annual returns, with no tax or investment-fee calculation. It does not assess investment suitability or guarantee retirement outcomes.

A little closer to freedom.

Find out when work can become optional.

More time for
what matters.

Your wealth, over time

FIRE snapshot

Observations

Make space for life along the way.

Your plan, your assumptions

Your investments, holding by holding

The milestones along your way.

The effect on your freedom

Income during retirement.

Your retirement income

Different paths. One life.

1,000 possible futures

Stress settings

Make work
optional.

A date to look forward to.

Currency & exchange rates

Your data stays with you.

Find out when work can become optional.

More time forwhat matters.

Your wealth, over time

FIRE snapshot

Observations

Make space for life along the way.

Your plan, your assumptions

Your investments, holding by holding

The milestones along your way.

The effect on your freedom

Income during retirement.

Your retirement income

Different paths. One life.

1,000 possible futures

Stress settings

Make workoptional.

A date to look forward to.

Currency & exchange rates

Your data stays with you.

More time for
what matters.

Make work
optional.