Model your whole financial life, year by year.
Enter your income, spending, accounts and debts. Add the house, the kid, the year off. See when you could retire, whether the money lasts, and what each decision changes in every year after, US taxes included.
Building a model is free, and you never link a bank. Opening its full results is Premium: $89 a year after a 3-day trial, card required.
Model the details a simple calculator rounds off.
A basic retirement calculator takes a balance, a savings rate and a return, and draws one curve. A spreadsheet goes further, until every year needs a tax estimate and one moved date means re-dating rows. Here each income and expense has its own start, end and way of changing, for one person or a couple.
Salary, hourly work, side income, RSU income, a pension, Social Security, an inheritance. Go part-time at 55 or take a year off at 33: set pay to any share of normal, down to zero, for the years you choose.
Rent, a dependent, education, travel, a wedding. Each follows inflation, outpaces it or stays flat, and is marked essential or discretionary, which is what a flexible-spending strategy trims. Health care can be a marketplace plan with an estimated subsidy; Medicare is added at 65.
Buy at 35 with a down payment, a rate and a monthly payment. Each year carries property tax, maintenance and appreciation. Sell at retirement and the broker’s fee, capital-gains tax and home-sale exclusion are worked out. Rental property and cars are covered too.
Student loans and other debts each have a balance, a rate and a monthly payment. Send spare cash at one to clear it sooner. Student loans can carry a forgiveness date, and a Debt Free milestone marks the year you are clear.
Every account counts as cash, taxable (brokerage), tax-deferred (401(k), IRA) or tax-free (Roth, HSA, 529). The type decides what a withdrawal costs, including the 10% penalty on retirement money before 59½. Set a stock and bond mix that shifts as you age.
A good year’s spare money follows your list, in order: top up cash, fund the 401(k) and the Roth, pay down a debt, invest the rest. A short year draws on cash, taxable, tax-deferred and tax-free money in the order you set.
Set the rule. The model finds the year.
A milestone is a life event with a rule, and it happens the first year the rule is true. Other things hang on it: salary ends at Retirement, the house sells at Retirement, tuition starts at Start School. Retirement itself can happen at FIRE, so salary ends the year the rule is met.
Conditions can be an age, a date, a financial measure like net worth or total debt, or another milestone. “Two years after the year off” works too.
- FIRE stands for financial independence, retire early. LeanFIRE, FatFIRE and CoastFIRE milestones are built in
- Retire three years earlier: move one milestone, and everything tied to it moves too
- A kid, a move, a new job: add the milestone, then attach the costs and income it brings
- If spending ever goes unfunded, a “Money runs out” marker shows the year
Ask “what if?” Keep both answers.
Every edit re-runs the whole model in your browser, and nothing is saved until you choose to. To keep two versions of a life, clone the model and change the copy. Compare draws the other model as a dashed line on the net-worth chart, and Year detail shows the difference under each headline figure.
You type in a birth date, your state and your balances. A step-by-step wizard then takes you through milestones, income, expenses and assets, and saves your place.
Read any single year. Then test the whole model.
Slide to any age and Year detail shows that year’s net worth, income, taxes, spending, withdrawals and savings rate, in Today’s $ (inflation taken out) or Future $. Tax Analytics lists that year’s estimated tax return line by line. Chart it with 36 built-in plots or build your own, and download the yearly table as CSV or JSON.
Paychecks and withdrawals come in on one side. Taxes, expenses, debt payments, purchases and contributions go out the other, ending in the accounts your savings land in.
Each year gets an estimated US tax return: federal brackets, your state, payroll taxes (FICA), capital gains, standard or itemized deductions, Social Security taxation, required retirement withdrawals. Over- or underpayment settles the next year as a refund or a bill. For planning, not filing.
Each trial re-runs your whole model, taxes and milestones included. Returns and inflation are sampled from 1928–2024 US history, each year’s figures kept together, or from an average and spread you set. See how often the money lasts, and whether failures come early or late.
Test a tax or withdrawal strategy without editing your model.
A strategy is a retirement choice: which accounts to spend first, when to move money into a Roth, how much to trim after a bad year. Switch one on and the app runs the model both ways, showing the change in lifetime taxes, net legacy (what heirs would receive) and, when you ask, chance of success. It reports; you decide.
What it assumes, and what it leaves out.
Beyond your own numbers and the built-in US tax rules, results come from three things you control: the rates you assume, the events on your timeline and the strategies you layer on top. The projection has no randomness: when a number changes, you changed something. These rates are defaults, before inflation; change any, or set them by age.