Personal finance projection

See where your money takes you.

Simulate every year of your financial life — income, spending, investments, taxes, and debts — and watch the milestones fall into place.

No account linking. Your first plan takes five minutes.
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Run a scenario
Net worth today
$158k
Net worth at 85
$2.88M
Milestones reached
3 of 3
Money lasts
Through the plan
$1M$2M$3M$4M354555657585COASTFIRE
Net worthCash savingsTaxableTax-deferredTax-freeHome equity
Hover any year to drill in
Year detailAge 52 · 2047
Net worth$1.57M
+105k vs prior year
Liquid Net Worth$906k
Withdrawals$0k
Withdrawal Rate0.0%
Income$95k
Taxable Income$84k
Taxes$10k
Effective Tax Rate11.8%
Spending$62k
Expenses$62k
Savings Rate34.7%
Tax Balance−$10k
Portfolio allocations
Tax-free$167k · 11%
Tax-deferred$497k · 32%
Taxable$858k · 55%
Cash savings$48k · 3%
Milestones reached
CoastFIREage 36
FIREage 52
Retirementage 52
Every scenario re-runs the full engine — year by year, deterministically.
Milestones

Retire when the math says so, not the calendar.

Milestones fire the first year their conditions hold — an age, a date, or a financial metric, combined with AND and OR. “FIRE when net worth hits 25× spending, but only after the house is paid off” is one milestone with two conditions. Mark life events too — a move, a new job, a kid — and hang income, expenses, and purchases off the moment they happen.

Explore milestone types
FIREnet worth ≥ 25× spending
LeanFIREnet worth ≥ 20× spending
FatFIREnet worth ≥ 40× spending
CoastFIREnet worth ≥ 15× spending
Debt Freetotal debt ≤ $0
Analytics

Visualize your whole life, then stress-test it.

Drill into any simulated year: estimated taxes, cash flow, withdrawals, estate value. Backtest against nearly a century of real market history, or run up to 10,000 Monte Carlo trials to see the spectrum of outcomes.

0%
Chance of success
Monte Carlo, up to 10,000 trials

Every trial re-runs your whole plan against market history since 1928 — or a distribution you tune — then sorts the outcomes: money left over, failed early, failed late.

Cash flow, traced
Sankey view of every dollar
Income$158k
Taxes$38k
Spending$62k
Invested$58k

Follow income and withdrawals through taxes, spending, and debt payments into the accounts they land in — for any year of the plan.

Tax analytics
Effective rate 16.8% this year
10%
12%
22%
24%

Federal brackets, your state’s, FICA, capital gains, RMDs — withheld during the year, settled the next — estimated for every simulated year.

Optimize

See what each tax strategy is worth. Then keep it.

Layer strategies over the plan without touching it: Roth conversions that fill a target bracket, capital gain harvesting in 0% years, withdrawal shielding, your own drawdown order, the 4% rule, flexing spending in down markets. Compare the plan with and without — lifetime taxes, net legacy, chance of success — and apply a preset in one click.

See how Optimize works
Impact vs. no strategy · recomputed live
Roth convert to top of 22% bracket
+$184k legacy
Harvest gains in 0% LTCG years
−$61k lifetime tax
Shield withdrawals below 12% bracket
−$38k lifetime tax
Drawdown: taxable → pre-tax → Roth
+3.1 yrs runway
Cut discretionary 30% in down markets
+6% success
Streams & flows

Model real life, not a straight line.

Income & expense streams

Salaries with raises, going part-time before retiring, pensions, Social Security, RSU grants, rental income, one-time windfalls. Every stream carries its own growth model, tax treatment, and start and end — bound to an age, a date, or a milestone.

Cash-flow priorities

Order where each year’s surplus goes: build the cash reserve to a target, max the 401(k), fill the Roth — even the backdoor — then invest the rest. Shortfalls draw down accounts in the order you choose, automatically.

Big purchases

Buy the house at 35, finance it, sell it at retirement with the home-sale exclusion. Down payments, mortgages, property taxes, maintenance, rentals that pay you income — simulated inside the plan, not scribbled in the margins.

The engine

Deterministic, year by year, to age 120 if you like.

No black box. Every year the simulation resolves milestones, pays income, covers expenses, services debts, grows your accounts, routes the surplus through your priorities — and settles last year’s taxes as a refund or a bill, like real life. Same inputs, same answer, every time. Every assumption is yours to change, or to swap for replayed market history or hand-drawn rate curves.

Investment return
7%
nominal, on investment accounts
Savings yield
4%
on cash reserves
Inflation
3%
deflates to today's dollars
Asset growth
3%
on real assets
Track progress vs. plan
Journal your real balances and watch them plot against the projection.
Compare plans side by side
Overlay a second plan on any chart and see the delta on every stat.
All 50 states, plus DC
State income-tax brackets built in, feeding the SALT deduction.
You are not the product
No account linking, no data selling. Your numbers stay yours.

Your future has a shape. Go look at it.

Fire — personal finance projection