S&P 500 Backtest Simulator
→"What if I'd invested back then?" Run any window through real annual total returns — dividends, inflation, CAGR, and max drawdown, all on a live chart.
Plan Your FIRE
FIRE Number Calculator
→The portfolio size you need to retire early — and your years to freedom.
Coast FIRE Calculator
→See if you can stop saving and let compounding finish the job.
Lean FIRE vs Fat FIRE
→Compare both targets and the years to reach each.
4% Rule Calculator
→How much you can safely withdraw, and how long your money lasts.
Barista FIRE Calculator
→Semi-retire with part-time income — the gap math done right.
Coast FIRE by Age
→Your coast number at every age, from 20 to retirement.
Savings Rate to FI
→How your savings rate sets your retirement date.
Retire Early & Draw Down
Access Money Before 59½
→Which routes reach which of your accounts before 59½ — and the exact reason each one passes or fails.
Can You Retire at 62?
→The five-year bridge to full Social Security, priced for any portfolio and spending level.
Early Retirement Bridge
→Year-by-year cash flow from your last paycheck to Social Security, with plan, IRA, Roth and brokerage kept apart.
Rule of 55 Calculator
→Whether the separation-from-service exception reaches your plan — and what a rollover to an IRA would cost in dollars.
Roth Withdrawal Order
→Which layer a Roth withdrawal comes from, what it costs, and when each conversion cohort unlocks.
How Long Will My Money Last?
→See how long savings last, and how sequence-of-returns risk moves the date.
Retire on $X per Month
→The nest egg a target monthly income needs, with or without Social Security.
Retirement Spending by Age
→What retirees actually spend, by age and category, from BLS survey data.
Net Worth Percentile
→See where your net worth ranks and what share of Americans hold $1M or more.
Retire Abroad
→What your portfolio buys in another country, with Medicare and tax reality built in.
Grow & Invest
Savings Goal Calculator
→The monthly contribution that reaches your target — and what each month of delay adds to it.
Compound Interest Calculator
→Project how an initial amount plus monthly contributions grows over time.
S&P 500 Backtest
→Test historical outcomes with real total returns since 1928.
Rule of 72
→How fast your money doubles at any return.
Real Hourly Wage
→What your time is really worth per hour.
Live Off Dividends
→Find your dividend crossover year and compare it with the 4% rule.
Investment Fee Calculator
→See the compounding you lose to fund and adviser costs.
Crush Debt
Debt Payoff Calculator
→Avalanche vs snowball — which clears your debt faster and cheaper.
Early Mortgage Payoff
→See the interest and years you save with extra monthly payments.
New tools are added regularly. Every calculator is free, runs entirely in your browser, and never asks for your email. For educational purposes only — not financial advice.
Choose by decision
Start with the question, then choose the calculator
Building wealth? Begin with compound growth, fees, or the historical backtest. Approaching financial independence? Use FIRE, Coast FIRE, withdrawals, and longevity together. If cash flow is the constraint, compare debt payoff, mortgage prepayment, and real hourly wage first.
