Calculators
Choose the decision you need to make.
Seven calculators use the same 97-year market record. Each has its own page, while the inputs, historical charts and result tables work the same way throughout the site.
Build the number
How much the life costs, and what waiting changes.
Fat FIRE number
Find the portfolio your spending needs, then replay the climb from every historical starting year.
What one more year buys
Compare retiring now with working one to five more years. The result includes extra saving, investment returns and a shorter retirement.
Test the retirement
How the plan behaves once withdrawals begin.
Retire in year X
Choose a historical retirement year and follow the portfolio through each subsequent annual return and inflation figure.
Withdrawal-rate explorer
See how historical survival changes as the first-year withdrawal rate rises or falls.
Bad-decade stress test
Put one plan through difficult historical starts that fit your chosen retirement length, including 1929, 1937, 1966 and 1973.
Shape the life around it
Add an ending balance or income during the first years of retirement.
Start from a sample household.
The scenarios page includes Seattle software developer, Cincinnati plumber, Texas doctor. Income, tax, spending and portfolio values are already entered and can be changed.