FIRE Planner Pro

Plan Regular, Coast, Lean, Fat, and Barista FIRE. Adjust withdrawal rates, tax drag, expenses, and income streams. See your probability of success across thousands of simulated market scenarios.

Add line items under assets and liabilities. See your net worth update live. Save dated snapshots, view trends with charts, and export or share your data — entirely in your browser.

Calculate how your savings grow with compound interest. Use the Rule of 72 to estimate doubling time. See a year-by-year growth chart with optional monthly contributions.

Compare four retirement withdrawal strategies side by side: fixed percentage, fixed dollar, dynamic guardrails, and percentage of portfolio. See success rates and worst-case outcomes across thousands of simulated market scenarios.

Check contribution limits, see immediate tax savings, project long-term tax-free growth, and compare HSA vs. a taxable brokerage account. The most comprehensive free HSA calculator available.

Model Roth conversions with bracket-filling logic, compare single-year vs. multi-year ladders, see break-even tax rates, and visualize traditional vs. Roth after-tax value over time.

Project your 401(k) balance with a stacked growth chart. Optimize your employer match with a clear "am I leaving free money on the table?" callout. Check IRS contribution limits and compare Traditional vs. Roth 401(k) splits.

Check if you're eligible to contribute, see your maximum contribution based on income and filing status, compare Roth vs. Traditional outcomes, and project account growth over time.

Compare two popular debt payoff strategies side by side. See which one gets you debt-free faster, how much interest you save, and visualize your payoff timeline with an overlay chart.

DTI-based affordability calculator with full PITI breakdown. Enter your income, debts, and down payment to find the maximum home price you can support — not just what the payment would be.

Compare two popular student loan payoff strategies side by side. Label each loan as federal or private, see which approach saves you more interest, and visualize your payoff timeline with an overlay chart.

Find out if refinancing saves you money. See your break-even point, monthly payment change, total interest comparison, and a clear verdict based on how long you'll stay in the home.

Estimate how much term life insurance you need using the DIME method. Enter your debts, income replacement years, mortgage, education costs, and existing assets to see a personalized coverage recommendation.

Compare two common methods for estimating life insurance needs side by side. See why the DIME and Human Life Value methods can produce different numbers, and think through term vs. permanent coverage.

Find out if your employer-provided disability coverage leaves you exposed. Compare short-term and long-term benefit payouts against your desired income replacement, accounting for caps.