Everything the simulation can tell you.
FIREModeling runs one deterministic simulation of your financial life, year by year. Every screen below is a different way of reading it.
One model. Every way of reading it.
Building a model is free. Opening its full results, from the plots down to the estate view, is Premium.
One interactive chart with a year slider running to your life expectancy. Drag it and the side panel re-reads that year: net worth, liquid net worth, withdrawal rate, effective tax rate, savings rate, and the portfolio allocation behind them.
A milestone fires the first year its conditions hold — an age, a date, or a financial metric like 25× spending. Chain conditions together to express “FIRE, but only once the house is paid off,” and every chart marks the year it lands.
Salaries with raises, part-time wind-downs, pensions, Social Security, rental income, windfalls. Each carries its own growth model, tax treatment, and start and end. Surplus routes through your contribution priorities; shortfalls draw down in the order you set.
Federal brackets, state tax, FICA, ACA subsidies, RMDs, and Social Security taxation estimated for every simulated year. Return, inflation, dividend, and yield assumptions are all yours to change — nothing is hidden behind a black box.
Update your balances and the dashboard keeps a history of your actual net worth, so you learn early whether the plan is holding or drifting. Every model built on today’s finances re-projects from the new numbers.
36 built-in plots — stacked net worth, spending flex, withdrawals, taxable income, allocations, liquidity, change in net worth. Build custom line plots from up to six of 55 metrics.
A Sankey diagram of a single simulated year: income sources into inflows, then out through taxes, expenses, and contributions into destination accounts. Follow one dollar from paycheck to portfolio.
Lifetime totals or a single year, split across income, taxes, rates, deductions, and credits. Switch between a composition view and a rates view to see which income is taxed at which rate.
Monte Carlo over your whole model, up to 10,000 trials, taxes and milestones included. Each trial samples historical US stock, bond and inflation sequences from 1928–2024, or an average and spread you set. See how often the money lasts, and whether failures come early or late.
Strategy layers on top of your model: the order accounts are drawn down, Roth conversions that fill a bracket, gain harvesting in 0% capital-gains years, withdrawal shielding under a bracket, and rule-based flexible spending. Switch any on and read the change in lifetime taxes, net legacy and, on demand, chance of success. It reports; you decide.
Draw a second model as a dashed line on the same chart and read the difference under each Year detail figure, so the gap between retiring at 52 and 55 is a number rather than a feeling.
A year-by-year table across every metric, exportable as CSV or JSON, or printed. Estate view resolves gross estate, estate drag from taxes and admin costs, and what actually reaches your heirs.