Financial Planning Research
Advanced, research-grade simulations based on high-resolution Monte Carlo models. All tools use Real Dollars (inflation-adjusted).
STAGE 1 Wealth Accumulation & Growth (Early Career)
Time to FI
Calculate when you will likely reach your FI number using advanced Monte Carlo simulations.
Accumulation Simulator
Simulate potential compound growth trajectories for your savings before retirement.
STAGE 2 Decumulation & Retirement Planning (Post-FI & Transition)
Early Retirement Bridge
HOTOptimize withdrawals across accounts to safely bridge the pre-60 gap tax-free.
Roth Conversion & ACA
Optimize multi-decade Roth conversions to maximize ACA subsidies and minimize lifetime taxes.
Decumulation (Fixed SWR)
Simulate fixed-spending trajectories to analyze sequence of returns risk (SORR).
Decumulation (Variable SWR)
Simulate flexible spending guardrails under a dynamic performance-based Variable Withdrawal Strategy.
SWR Sweep Success Dashboard
Explore a shaded color heatmap grid matching success rates across SWRs and withdrawal horizons.
Time to FI Calculator
INSTRUCTIONSSimulate 500 market trajectories to determine exactly what year or age you will cross your target FI threshold. Includes Coast and Barista FIRE adjustments. View Sample
Portfolio Accumulation Simulator
INSTRUCTIONSSimulate 500 market trajectories to visualize how your savings and contributions grow over a fixed wealth accumulation time horizon. View Sample
Portfolio Decumulation Simulator (Fixed SWR)
INSTRUCTIONSSimulate 500 potential market trajectories to visualize how sequence of returns risk impacts your portfolio balance during retirement drawdown under a fixed, inflation-adjusted spending strategy. View Sample
Note: This simulator models a rigid, fixed SWR (adjusted only for inflation). If you want to simulate dynamic spending guardrails that reduce withdrawals in market downturns, use the Portfolio Decumulation Simulator (Variable SWR).
Safe Withdrawal Rate - Sweep SWR/Years
INSTRUCTIONSThe chance of your money lasting across different spending rates and retirement durations. View Sample
Portfolio Decumulation Simulator (Variable SWR)
INSTRUCTIONSSimulate portfolio balance trajectories and dynamic withdrawal amounts under a flexible, performance-based Variable Withdrawal Strategy (VWS) with dynamic guardrails. View Sample
Roth Conversion & ACA Subsidy Optimizer
INSTRUCTIONSCalculate how Roth conversions can impact your healthcare (ACA) costs, federal taxes, and long-term account balances. View Sample
Early Retirement Bridge Optimizer
INSTRUCTIONSAnalyze if your taxable brokerage and Roth accounts can safely bridge the gap to your target Bridge End Age penalty-free; or if you need to withdraw from your Traditional retirement accounts to make it. Under the hood, this optimizer runs our high-fidelity dynamic programming optimizer to maximize ACA subsidies and minimize lifetime taxes, focusing the visual outcomes precisely on the custom bridge window. View Sample
