Long-arc decisions: FIRE date, retirement, kids, debt order.
Find your Coast FIRE number: the portfolio value today that will compound to full financial independence by retirement with zero further contributions.
Total your assets and liabilities to see your real net worth and track financial progress over time.
Size your emergency fund to your real expenses and risk profile, then see exactly how many months until you hit the target.
Project future college costs, model 529 growth, and see how much to save monthly to hit any coverage target.
Project tax-free 529 growth, model state-tax deductions, and compare against a taxable brokerage outcome.
A 50/30/20 budget planner with custom categories: see your needs, wants, and savings split in real time.
Solve for the monthly contribution that hits any savings goal: house down, wedding, sabbatical, anything.
See what a purchase or recurring spend would have become if invested: the real long-term cost of money spent today.
Plan your wedding budget by category: per-guest catering, fixed costs, buffer, and monthly savings target.
Project your Financial Independence number and the year you can retire, based on your savings, spending, and returns.
See a realistic grocery budget for your household: weekly, monthly, and annual, benchmarked against USDA-style cost tiers.
See your FI number, years to FI, and the date your portfolio crosses 25× expenses, based on your real savings rate.
See your Barista FIRE number: the portfolio level where part-time work covers the gap and you can leave full-time work years earlier.
See a realistic wedding budget: total cost, per guest, and an 11-category breakdown across budget, mid-range, and upscale tiers.
Build a complete family budget across 12 categories: see your 50/30/20 split, savings rate, and which categories are outside healthy range.
Plan a high-spending early retirement with $100k+ annual budgets. Calculates your fat FIRE number, gap to target, and the savings rate required to get there.
Estimate the true first-year cost of a baby and project total spend to age 18, including childcare, healthcare, parental leave income lost, and a suggested 529 contribution.
Compare the true net cost of moving to a new city, adjusted for salary, taxes, rent, and cost of living.
Plan ahead for big known expenses: figure out exactly how much to save monthly to hit your sinking fund goal, with interest.
Add up the real annual cost of your commute: fuel, parking, tolls, depreciation, and the dollar value of your time.
Find your Lean FIRE number: the minimalist retirement target based on bare-bones annual spending and a 4% withdrawal rate.
