An if-what-then-when tool for retirement timing. Plug in your numbers, stress-test a few scenarios, and see where the gaps to your targets are.
This is an educational model for thinking through tradeoffs. It is not financial, tax, or investment advice. Real life is messier — taxes, sequence-of-returns risk, healthcare, kids, and one-off expenses are simplified or left out.
Your FIRE timeline
Enter your current age and target retirement age to see when you could reach FIRE, your gap, and whether you're on track.
When you plan to stop full-time work
Brokerage, cash, etc.
401(k), IRA, etc.
e.g. mortgage paid off, kids out of the house
From today — when the lower/higher spending kicks in
Often 3.5–4%
Consulting, freelance — optional
Enter your current age and target retirement age to see results.
Future one-offs that change annual cash flow — mortgage payoff, daycare ending, inheritance, etc.
Positive = frees cash · negative = costs more
Timeline appears once you enter your ages.
Side-by-side view of tradeoffs — adjust Plan A and Plan B to test alternatives
Plan A
Reduces both current and future spending
Plan B
Reduces both current and future spending
Enter your current age and target retirement age to see results.
Charts appear once you enter your ages.