Five professional-grade tools: your spending, your number, a Monte Carlo simulation of your plan, your timeline, and the raise rule.
Your numbers save automatically in this browser only. They never leave your device.
Your FI number starts here. Pre-filled with US national averages; overwrite any line with your real spending.
| Category | $/year | $/month |
|---|---|---|
| Total spending | $0 | $0 |
Defaults: U.S. Bureau of Labor Statistics, Consumer Expenditure Survey 2024 (average household spending $78,535/yr). Pension and Social Security contributions ($9,797/yr) are excluded because they stop at retirement.
Annual spending divided by a safe withdrawal rate. Drag the rate to see how sensitive the number is.
The 4% rule comes from the Trinity study: a 50/50 stock/bond portfolio survived 30-year retirements at a 4% inflation-adjusted withdrawal rate in nearly all historical periods. Lower rates buy more safety; higher rates need luck or flexibility.
2,000 simulated futures for your plan, using historical return and volatility assumptions. Success means the money lasts through retirement.
Assumptions: stocks 10.0% nominal return / 16% volatility, bonds 5.0% / 6%, correlation 0.1, based on long-run US market history. Each simulated year draws a random return from that distribution. 2,000 paths. This is a planning tool, not a prediction: the future will not look like the past.
What you save each month and what you spend each year set the timeline.
Illustrative estimate at a 4% withdrawal target, starting from zero net worth. Your implied savings rate is shown for reference: monthly savings divided by monthly income (savings plus spending).
Bank the whole raise. See what it adds to your savings and your rate.
The rule: lifestyle stays flat, the raise goes straight to savings. That is how the savings rate climbs without feeling poorer.