A retirement planning workbench for scenario comparison and assumption-led decision framing.
01 / Calculator
Run retirement, FIRE, inflation, and Monte Carlo scenarios in your browser with plain-English interpretation and explicit assumptions.
02 / Method
The result combines deterministic projection, a scenario-level Monte Carlo simulation, and a clear interpretation layer. This helps you compare a planning target against the range of possible outcomes, instead of a single promise.
Inputs are interpreted once, then converted into projected portfolio growth, spending demand, and a FIRE target.
Success rate reflects how often the modeled run survives under 1,000 random return paths.
03 / Read the result
Use all three numbers as a compact decision triad: target size, trajectory, and resilience. A high success rate does not change the assumptions.
Result reading
Run analysis first to view portfolio trajectory, success summary, and scenario comparison.
No scenario assumptions are treated as advice, and no number below is a guaranteed outcome.
04 / Scenarios
Retirement scenario examples
Use these examples as starting points for assumption testing. They are educational scenarios, not personalized guidance.
Open scenario librarySaved scenarios
Save a scenario to compare retirement age, spending, return, and withdrawal assumptions side by side. No scenario means no comparison layer.
Tip: save at least three cases — base, conservative, and stress cases.
05 / Planning library
Start here
Build the mental model behind the calculator before changing any inputs.
Age-based calculator
Estimate retirement timing by current age, target age, savings, spending, and withdrawal assumptions.
Withdrawal strategy
Why withdrawal settings matter and how they affect your success envelope.
Withdrawal strategy
Understand how early losses change outcomes even when average returns stay strong.
Inflation and spending
Turn today’s spending into a purchasing-power-aware planning target.
Income and healthcare
See how claiming age affects the bridge to retirement spending goals.
Income and healthcare
Plan for health costs and coverage risk before age 65.
Taxes and accounts
Keep tax effects in mind before comparing one retirement date against another.
Taxes and accounts
Review conversion timing effects in a framework that tracks portfolio outcomes.
Review and safety
Split spending by housing, care, taxes, and flexibility to improve assumption quality.
Review and safety
Strengthen the base case with a practical spending-first target before fine-tuning returns.
Review and safety
Use a repeatable annual check instead of carrying stale assumptions.
06 / Limits
This model does not replace tax planning, legal review, pensions, debt strategy, or insurance valuation. It does not model every life event, only assumptions you choose to set.
Use scenario stress-tests, reduce one assumption at a time, and keep a qualified professional involved before making final money decisions.
07 / Trust