All calculators
Eleven calculators across the three stages of the journey. Each one returns a range rather than a single point, applies fees and the current-year tax engine, and cites the source and as-of date behind every figure.
Accumulate
Build the pile.
DCA vs Lump Sum
Win-rate and 5th-percentile downside of drip-feeding vs investing at once, backtested over every start month.
AccumulateAfter-Tax Growth
The four-leak waterfall — gross return minus expense ratio, advice fee, tax, and inflation — as a keep-rate.
AccumulateDividend Snowball
After-tax DRIP with real IRS brackets, NIIT, and a 2008/2020 dividend-cut stress overlay.
Reach FI
Hit your number.
Coast FIRE
Coast number as a real-return band (3/5/7%) with the historical share of start dates that actually coasted.
Reach FIBarista FIRE
Part-time bridge with a live MAGI-to-ACA-subsidy engine and the 2026 400%-FPL cliff.
Reach FIFIRE Number (Lean/Fat)
Flavor-specific withdrawal math (lean is more fragile) plus the ACA cliff as a line item.
Reach FISavings Rate to FI
Savings rate to years-to-FI, with a fee tornado that prices a 1% drag in extra years.
Live off it
Draw it down without running out.
Will My Money Last
Depletion age as a 10/50/90 range across sequence risk, account-type tax drag, and explicit fees.
Live off itSafe Withdrawal Rate
Fixed vs Guyton-Klinger vs VPW, printed side by side, gross vs net-of-tax spendable.
Live off itLive Off Dividends
Portfolio needed to live on dividends, taxed with the current-year engine and a yield-reality anchor.
Live off itRoth Conversion Ladder
Five-year seasoning queue with a cold-start bridge-survival pass/fail gate and a 72(t) lane.
Behind the numbers
- Methodology
The formulas, data sources, and regression tests behind every tool.
- Guides
Plain-language explainers for the concepts these calculators use.