Info
Add a spouse to model both of you in one projection — each with their own wage, dates, and accounts.
State taxes, IRMAA, NIIT, and capital-gains rates are not modeled. Roth withdrawals are tax-free.
Ordinary federal income tax only — no state tax, capital gains, or credits. The chart above handles Social Security taxation and inflation indexing for the full plan.
Your FIRE number is annual spending ÷ your withdrawal rate (set in Plan settings, currently 4% → 25×). Savings rate is total contributions across all accounts ÷ take-home income.
FIRE number
Savings rate
Financial independence
Coast FIRE
Retiring before 59½ means funding those years from penalty-free money — taxable/cash savings, Roth contributions, or a Roth conversion ladder.
This is money held outside the accounts listed above (e.g. a brokerage or savings account not entered as one of your accounts).
When on, early-retirement spending is drawn only from the additional savings and the accounts selected above — your other retirement accounts keep growing untouched until 59½. When off, all retirement accounts fund those years.
Only applies when the bridge-only option above is on. The early-withdrawal penalty is applied to whatever has to come from your other accounts before 59½.
At the coast age, your contributions change to the mode you pick — and hold there until retirement.
Part-time income after retiring reduces what you withdraw during those years.
Projected nest egg
You contribute
Growth earned
Retirement income
Portfolio income (yr 1)
That's per year
Social Security
Ending balance
The RMD band is money the IRS forces out of traditional accounts beyond what your plan already withdrew. It is taxed, then put back to work — so it adds to distributions, not to spendable income.
Mortgage
Invest instead
Invest the ladder amounts instead of prepaying, then cash the fund out to pay the balance down.
Annually pays the balance down from the fund each year. At retirement invests until your retirement date, then clears what it can in one lump. Either way, the lump is capped at the fund value and the remaining balance.
Extra payment schedule
Each row sets the total extra from its date forward — pick Monthly (recurring) or Annual (a once-a-year lump). It holds until you change that cadence again; set $0 to stop.
Rows sort by date automatically. Before a cadence's first row, nothing extra is paid for it.
Each refinance keeps your current monthly payment but applies the new rate from its date onward; the fee is financed (added to the balance). Add several to model a rate ladder over time.
When on, the projection carries this loan as a cost and applies the payoff plan you pick below.
"On top" adds the payment to your withdrawals as an extra cost. "Part of my spending" assumes your retirement spending figure already covers it, so nothing extra is drawn.
When on, pulling pre-tax (traditional) money for the payoff is grossed up for federal income tax — plus a 10% early-withdrawal penalty if you retire before 59½. Roth dollars are treated as tax-free.
The three paths
Sequence of Risk Return
iWhat these levers can and cannot show
These are spending levers, and they genuinely raise the survival odds here because they cut what leaves the portfolio. Allocation is handled separately, in Accounts › Glide paths — and note that de-risking tends to score worse on this page: the paths here are drawn independently each year, so a slump carries no tendency to rebound and holding bonds surrenders return without buying back a recovery. Its value shows in the historical crash stress test on the Charts page, where a downturn is followed by the recovery that actually happened.
How often the money lasts
Randomized returns are drawn from a lognormal distribution matched to the average and volatility above, applied in annual steps, with the worst impact when a downturn lands early in retirement. This is an illustration of sequence risk, not a forecast or financial advice.
Changing your mix at retirement is now a waypoint on your glide path — set it in Accounts › Glide paths, where it can differ per account and take any shape between ages rather than switching all at once.
Social Security
When on, the claim ages and benefits below are added to your retirement income; with the reduction on, every $1 of Social Security lowers what you pull from the portfolio by $1.
Benefits are estimated from your wage with the federal bend-point formula, in today's dollars (assumed to keep pace with inflation). Full retirement age is set from each person's birth year (66–67 for those born 1955 and later); each year you wait past it adds 8%. Birth dates set where each person's checks land on the calendar — entered here or imported from your retirement plan.
The claiming decision
Choose your claim age:
A simplified model: bend-point PIA from a single wage figure, full-retirement age by birth year, COLA assumed equal to inflation, separate life expectancy per spouse, a survivor who keeps the larger of the two checks, and optional benefit taxation (IRS provisional-income tiers, thresholds in today's dollars, taxed at a flat marginal rate). It leaves out the earnings test and spousal filing rules. An illustration of the timing trade-off, not advice.
Roth conversion
When on, the year-by-year conversions below are applied inside the retirement projection — moving money from pre-tax to Roth during the window and paying the tax from your taxable savings.
Everything is in today's dollars, so tax brackets stay fixed and the return you enter is after inflation. Required minimum distributions begin at age 73 (born 1951–1959) or 75 (born 1960 or later).
Convert, or leave it alone?
A simplified model: federal brackets and the standard deduction in today's dollars, conversions filled to the top of the bracket you pick, required distributions from the IRS Uniform Lifetime Table, and conversion tax paid from taxable savings. It leaves out state tax, IRMAA Medicare surcharges, the 5-year rule, and ACA subsidies. An illustration, not advice.
RMD
| Age | Divisor | Start balance | RMD | % of balance |
|---|
Simplified: one owner, Uniform Lifetime Table only (no 10-years-younger-spouse table), taxes not shown here — the main projection's RMD toggle handles taxes in your plan.
HSA
Simplified: steady contributions and returns, taxable growth taxed annually at your marginal rate, no state tax. Non-medical HSA withdrawals after 65 are taxed like a traditional account.
Debt payoff
Emergency Fund
A guideline, not a rule: the right cushion depends on your own risk tolerance and safety nets. Pick the number of months that fits your situation. An illustration, not advice.
Net worth
Capture a dated snapshot whenever you like — your plan's accounts auto-fill, and you add anything else (home, cash, brokerage, debts). Snapshots build a real history you track across the decades.
Snapshots
Snapshot detail
As ofAccounts pulled from your plan are tagged plan. Edit any value or add your own lines.
Snapshots are saved with your plan (Copy link / Save plan) and kept on this device so they survive a refresh. This records where you actually land each year, to compare against the projection.