DEMO PLANSep 2026
Loading…
Demo financial plan — edit any value to make it yours.
FINANCIAL INDEPENDENCE

You’re building optionality.

At your current pace, you could reach financial independence around age 56.

Current net worthCurrent
$443,000
Invested$185,000
Cash$22,000
Home equity$230,000
Debt−$407,000
12%to FIRE
Normal FIRE funding need today$1,482,371

$72,000/yr now → $42,600/yr mortgage-free

Estimated FI age5622 years from nowExplore

Based on your current assumptions, the portfolio could fund your modeled lifestyle plus any mortgage payments remaining before payoff.

Contributing $500/month extra for 2 years could move FI about 1 years earlier.
Portfolio at age 60$2M6% base returnExplore

This illustrative nominal value includes planned contributions through age 54.

Switch the chart to today’s dollars to see estimated purchasing power after inflation.
Monthly investing$1,800$21,600/yr for 20 yearsExplore

Your contribution runway ends around age 54; after that, the model leaves the portfolio to compound.

Coast FIRE$207K awayIllustrative target $391,743Explore

Coast FIRE means your existing investments could grow to fund retirement at age 60 without another contribution.

The model estimates about $206,743 more invested today would reach it.

Returns, inflation, spending, taxes, and retirement timing can all change this result.

WEALTH TRAJECTORY

Your path to financial independence

Return paths
Conservative 4%Base 6%Optimistic 8%
Milestone lines
CoastAge 47Lean FIREAge 48FIREAge 56Fat FIREAge 70Mortgage paidAge 55Target retirementAge 60
Lean FIRE$882K
Projected near age 48$48,000/yr
What this means

A lower-cost version of independence: your portfolio can support essential annual spending without employment income.

Calculation: modeled spending ÷ 4% withdrawal rate, adjusted for mortgage payoff timing. Return, inflation, contributions, spending, taxes, and timing affect the result.

Contributing $500/month extra for 2 years could move this milestone about 1 years earlier.
FIRE$1M
Projected near age 56$72,000/yr
What this means

Financial independence means invested assets can support your chosen lifestyle using your withdrawal-rate assumption.

Calculation: modeled spending ÷ 4% withdrawal rate, adjusted for mortgage payoff timing. Return, inflation, contributions, spending, taxes, and timing affect the result.

Contributing $500/month extra for 2 years could move this milestone about 1 years earlier.
Fat FIRE$2M
Projected near age 70$105,000/yr
What this means

A higher-spending independence target with more room for travel, generosity, upgrades, and uncertainty.

Calculation: modeled spending ÷ 4% withdrawal rate, adjusted for mortgage payoff timing. Return, inflation, contributions, spending, taxes, and timing affect the result.

Contributing $500/month extra for 4 years could move this milestone about 1 years earlier.
ACTIVE MODEL

The assumptions driving every number

Base return6%
Inflation2%
Withdrawal rate4%
Retirement ageAge 60
Projection horizonAge 95
DisplayNominal by default
Normal spending$72,000/yr
Contributions$1,800/mo · 20 years
Mortgage rate4.5%
Mortgage payoffAround age 55
After payoffSpending decreases
Tax treatment25% illustrative rate
MARKET PULSE · DELAYED

Major indexes, without the noise

Checking the markets…Your financial dashboard and projections are unaffected.

Delayed market context from Yahoo Finance, refreshed every 15 minutes. Index moves do not automatically change your manually tracked account balances, and no personal financial data is sent with these requests.