Retirement
Free financial calculators and simulators for DIY investors. No registration, no data collection, no hidden costs. All tools run entirely in your browser: your financial data never leaves your device.
Sequence of Returns Risk
Compare bad start vs good start retirement return sequences.
Monte Carlo FIRE
Run statistical scenarios for safe withdrawal success probability.
Lean vs Fat FIRE
Compare minimalist vs luxury retirement targets.
Coast FIRE
Find the age where compounding alone reaches your target.
Barista FIRE
Estimate how part time income shortens retirement timeline.
Dynamic SWR
Simulate Guyton Klinger and VPW variable spending rules.
Time to FIRE
Convert savings rate into months until financial independence.
GeoArbitrage Planner
Compare retirement runway across countries.
Die with Zero
Draw down principal to zero at life expectancy.
Passive Income Bridge
Bridge early retirement to pension or Social Security age.
Probability of Ruin Calculator
Monte Carlo retirement ruin probability and SWR.