Dual-income 30s FIRE
Two earners with a high savings rate — $60k starting, surplus invested monthly. See timeline projections and Monte Carlo-ready numbers.
Load scenarioMy Projection Calculator
Free retirement & net worth planning tools — everything you need to model your financial future.
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Jump in with a sample plan
Not sure where to start? Load one of these hypothetical scenarios in seconds and see what the calculator can do.
Teacher Coast FIRE
Early-career teacher building toward Coast FIRE — surplus goes to 403(b). Pairs well with the Coast FIRE Calculator.
Load scenarioHouse + Student Loans
Managing mortgage and student debt — surplus funds retirement after expenses. Shows why a blank $0 chart isn't the right first screen.
Load scenarioRetired at 52
No paycheck — will $7,200/mo spending last 40 years? Pairs well with the FIRE SWR Calculator.
Load scenarioLate-start FIRE
Started in early 40s but saving aggressively — high savings rate builds toward $1.4M in 13 years.
Load scenarioDual-income Fat FIRE
High earners with ~$138k/year spending and a $2.5M target. Pairs well with Lean vs Fat FIRE.
Load scenarioThese are hypothetical examples for demonstration purposes, not financial advice.
What's on the screen
Six core tools working together to give you a complete picture of your financial future. No black boxes. No account required to get started.
Net Worth Timeline
Interactive line charts projecting your wealth over 1–60 years, with inflation-adjusted values and year-by-year breakdowns.
Monte Carlo Simulation
Probabilistic modeling with hundreds of iterations to show best case, worst case, and your probability of reaching financial goals.
Asset & Debt Tracking
Model stocks, bonds, real estate, crypto, cash, and loans — each with custom return rates and target allocation rebalancing.
Financial Events
One-time or recurring income, expenses, transfers, and withdrawals. Simulate bonuses, home purchases, or retirement drawdowns.
What-If Scenarios
Real-time sliders for market performance and monthly savings. Lock a baseline and compare experimental changes side by side.
Export & Share
Download projections as CSV or Excel, import/export JSON backups, or generate a shareable link with your scenario encoded.
Specialized financial tools
Dive deeper with calculators built for specific planning needs. All free, no signup required.
Net Worth Projection Calculator
See your year-by-year wealth growth with interactive charts. Track stocks, bonds, real estate, crypto, and debt.
Try it nowMonte Carlo Retirement Calculator
Run hundreds of market scenarios to see your probability of retirement success with percentile bands.
Try it nowCoast FIRE Calculator
Find out if you've saved enough to coast to retirement without additional contributions.
Try it nowSequence of Returns Calculator
Test how a market crash in year 1, 5, or 10 would affect your retirement portfolio.
Try it nowFIRE SWR Calculator
Calculate your financial independence number using safe withdrawal rate analysis.
Try it nowCompound Interest Calculator
See how your money grows with compound interest over time.
Try it nowLoan Amortization Calculator
See your payment breakdown, interest costs, and payoff timeline.
Try it now
Modes
Built for how you use it
Responsive design and keyboard shortcuts for instant navigation. No menus, no friction.
Desktop Dashboard
Full sidebar navigation with interactive charts, KPI cards, and a detailed year-by-year timeline table.
Mobile Optimized
Bottom navigation and card-based layouts designed for planning on the go. Every feature works on your phone.
Shareable Scenarios
Generate a unique URL with your projection data encoded. Share with a partner or advisor — no account needed.
Your data stays yours
Every projection is computed in your browser. No server storage by default. Optional cloud sync is available if you choose to sign in.
Local browser storage
No sign-up required
CSV & Excel export
One-click data reset
Optional cloud sync
No tracking of financial data
New to financial planning? Open the in-app Guide tab (Getting started covers the blank workspace and sample chips), or read our Privacy Policy to see exactly how your data is handled.
FAQ
Frequently asked
Yes. Completely free, no account required, no paywall. Open the calculator — it starts blank — then add your numbers or load a sample to see a projection in minutes.
No. Your data is stored locally in your browser for privacy. You can export to CSV or Excel, or generate a shareable link. Optional sign-in enables cloud sync across devices.
No. Opening the app lands you on a blank workspace. Nothing is soft-loaded. Use the Dashboard activation strip — What do you own? → What can you save? → What is your goal? — or tap a sample chip in that strip to see a chart fast. Samples open as separate named plans and are demos you can edit. After load, a banner says You're viewing a demo sample. Every field is editable — change any number to make it yours. (Dismiss on that banner too.)
It is a short first-result path: What do you own? → What can you save? → What is your goal? — or load a sample from the chips in the same banner. Samples open as separate plans so existing work is kept. The control to hide it is labeled Dismiss. On phones the strip is more compact.
No — picking a sample opens it as a separate named plan and keeps the plan you were already editing. Switch back from Saved plans in the header or Export/Share. After a sample loads, a banner reminds you every field is editable so you can turn the demo into your numbers.
Yes. Use reset/start over in the app when you want a blank workspace again. Core tools stay free; numbers stay in your browser by default.
Investment growth, net worth projections, retirement readiness, FIRE planning, and financial goals — using Monte Carlo simulations, Sequence of Returns stress tests, and interactive what-if sliders.
Yes. The calculator is fully responsive with mobile-optimized navigation, card layouts, and touch-friendly controls on every screen size.
Open it.
Start projecting.
Model your financial future in minutes — no sign-up, no paywall, free forever.
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