Retirement Timing & Financial Independence Optimizer
Calibrated to Age 30.1 • Career contributions end upon retirement
Lifetime Net Worth Trajectory (Age 30 in 2026 → Age 100 in 2096)
Target Retirement: 2056 (Age 60.0) • Long-Term Compounding through Age 100
Dynamic Assets Ledger (10 Connected Accounts)
Click "Edit" on any account to update balances or cost basis. Data persists directly to memory & disk.
| Account / Asset | Institution | Tax Classification | Current Balance | Cost Basis | Unrealized Gain | 5-Yr CAGR | Return / Vol (σ) | DAF Eligible | Action |
|---|
Annual Categorized Spending Ledger (7 Categories)
Customize your annual and monthly living costs. Changes recalculate retirement and Monte Carlo projections live.
| Spending Category | Classification | Monthly Budget | 2026 Annual Spend | Action |
|---|
š² Monte Carlo Stochastic Simulation (1,000 Sequences)
Untrimmed baseline achieves 88.5% (exceeds 85% target threshold). If severe market turbulence occurs, an optional trim of 10.0% (-$9,370 / yr) strictly from Discretionary categories (Travel & Dining) only during down-market years boosts terminal runway.
ā±ļø Retirement Timing & Lifestyle Trim Parameters
Synchronized with Dashboardš Macroeconomic & Portfolio Compounding Parameters
Asset-weighted across active accounts
Converts pre-tax 401(k) / IRA funds to a tax-free Roth bucket between retirement and Age 70, filling the 12% federal tax bracket and slashing Age 73+ RMD liabilities.
Asset Allocation Glide Path & Conservative Return Taper
Mechanism 1Gradually shifts portfolio compounding from aggressive equity growth (~9%) to capital-preservation fixed income in later retirement.
Age when expected returns begin de-risking
Age when portfolio reaches terminal rate
Blended preservation yield at target age
š Decadal Lifestyle Spending Sliders (Retirement Smile)
Adjust lifestyle spend percentage by decade • Lowering these simulates the classic retirement smile and significantly extends runway!
š¼ Earned Income & Additions (Career Phase)
Career PhasePre-tax salary received while working.
Supplemental taxable cash flow or partner income.
Combined employee + employer match.
Backdoor Roth or Traditional additions.
šļø Social Security PIA & Parameters
Retirement IncomeEstimated primary benefit at FRA.
Age 62ā70 (Delayed credit +8%/yr).
Stress test for trust fund cuts.
š Equity Vesting & Stock Grants
Add or edit projected stock vesting grants for any year.
| Grant Year | Age | Gross Units | Sell-to-Cover | Net Shares | Est. Price | Net Value ($) | Action |
|---|
š Discrete Life Events & Cash Infusions
Model discrete events like downsizing, inheritances, or capital expenses.
š Comprehensive Multi-Decade Cash Flow & Balance Sheet Matrix
50th Percentile (Median)Strategic Retirement Action Playbook & Chronological Checklist
Dynamic year-by-year action steps mapped directly to your financial timeline (Target Retirement: Age 52.0 / Year 2035). Check items off as you execute them; completion state is saved locally and persistently tracked.
How to Set Up Your Plan & How the Simulator Works
Welcome to the interactive wealth and retirement simulator. Unlike traditional retirement calculators that assume static 4% withdrawal rules and uniform tax rates, this engine combines a real-world multi-tier IRS tax decumulation waterfall, dynamic career savings sweeps, and a 1,000-run stochastic Monte Carlo stress tester. All calculations execute 100% locally in your web browser with complete client-side privacy.
1 How to Set Up Your Plan (4 Easy Steps)
Takes ~3 minutes to calibrateEnter Your Current Account Balances
Click into the Assets & Ledger tab. You will see a starter breakdown across four critical tax categories:
- Cash / Savings: Emergency funds and high-yield savings (safe liquidity).
- Pre-Tax (401k / Traditional IRA): Tax-deferred assets taxed as ordinary income upon withdrawal.
- Tax-Free (Roth IRA / 401k): Tax-exempt growth and withdrawals.
- Taxable Brokerage: Equities and index funds subject to favorable long-term capital gains rates.
Click "Edit" on any row to change values, or "+ Add New Asset" to create custom accounts.
Define Your Living Budget
Click into the Annual Spending tab. Review standard expense categories (Housing, Living, Transport, Travel, Healthcare) or add your own:
- Fixed / Non-Negotiable: Core essentials (mortgage/rent, utilities, groceries, healthcare). These remain baseline requirements in every economic scenario.
- Discretionary (Trimmable): Flexible lifestyle spending (fine dining, luxury travel, entertainment). The engine uses these to model downside guardrails (belt-tightening during bear markets).
- Two-Way Calculator: Typing a monthly cost automatically updates the annual budget, and vice versa.
Click "+ Add Expense Category" or "Edit" on any category to calibrate your numbers.
Tune Retirement Age & Career Savings
Head to Forecasts & Assumptions to set up your macroeconomic and career parameters:
- Current & Target Retirement Age: Sets your career accumulation horizon and the exact year decumulation begins.
- Gross Salary & 401(k) Savings: Adjust annual pre-tax deferrals ($23,500 standard limit) and employer matching percentages.
- Macro Assumptions: Customize expected long-term inflation (default 2.5%), investment growth (default 7.5% - 8.0%), and risk-free cash rates.
- Discrete Milestone Events: Model future cash inflows or major outflows (home purchases, inheritance, education funding).
Analyze Solvency & Monte Carlo Risk
Return to the Dashboard to inspect your calculated results in real time:
- Net Worth at Retirement: Projected portfolio total at your chosen retirement age.
- Runway at Age 90: Projected terminal wealth remaining after multi-decade retirement spending.
- 1,000-Run Monte Carlo Fan: Switch to the Monte Carlo sub-view to see portfolio survival percentiles ranging from 10th percentile worst-case crashes to 90th percentile bull markets.
- Interactive Sliders: Tweak retirement age or monthly spending sliders directly on the dashboard to test instant "what-if" scenarios.
2 How the Calculation Engine Works (Under the Hood)
Pure Mathematical EngineDuring active working years, your earned salary funds living expenses, payroll taxes, and tax-deferred 401(k) contributions. The engine calculates your net annual cash flow:
The engine maintains a 2-year liquidity buffer in cash. Any accumulated cash above this threshold is automatically swept into the Taxable Brokerage portfolio to compound at equity returns. This preserves the invariant that saving more or earning more strictly increases future wealth.
When retirement begins, earned salary ends. To fund your annual lifestyle (escalated each year with inflation), the engine liquidates assets in a tax-minimized priority order:
A single flat return rate (e.g., 7% every single year) completely hides Sequence-of-Returns Risk: suffering a market crash in the first 5 years of retirement can cause premature depletion even if long-term average returns look healthy.
The engine simulates 1,000 independent 70-year market trajectories using Geometric Brownian Motion with lognormal annual volatility (σ = 16.5%):
Between retirement and Age 75, retirees often experience a "tax valley" where taxable earned income drops significantly before Social Security and IRS Required Minimum Distributions (RMDs) kick in.
The simulator models strategic annual conversions from Pre-Tax 401(k)/IRAs into Roth IRAs, filling up lower tax brackets (10%, 12%, 22%).
The Result: Accelerates wealth into tax-free accounts at low historical tax rates, dramatically shrinking mandatory RMD taxes in your 80s and 90s.
Privacy, Persistence & Data Export
Your numbers are stored exclusively in temporary browser sessionStorage. Nothing is ever sent to a server. When you close the browser tab, all session edits are wiped cleanly.
Want to keep your customized scenario? Click "Save to Disk" in the top header to download a JSON file to your computer. You can reload it anytime.
Click "Export Archive (CSV)" to download the complete 70-year stacked ledger with all 5 Monte Carlo percentiles and tax breakdowns for Google Sheets or Excel.