FIRE Number and Timeline Planner
Separate working, coast, early retirement, and later retirement. Then test account access, your own effective-rate assumptions, and the same cash-flow path across historical cohorts. The planner does not assign a readiness score or forecast probability.
Last reviewed: July 20, 2026.
Your complete plan
Every money input is in constant today's dollars. Zero is allowed. The effective rates are your own sensitivity assumptions—not tax-law estimates.
Modeled result
The model reduces each balance and contribution by its chosen effective rate, then enforces the entered access age. It does not calculate a tax bill.
Target funded compares the balance available at retirement with the full spendable-equivalent target. First unfunded year follows the actual access ages, income starts, and spending phases you entered, so the two measures answer different questions.
This path applies one real return every year. Spending comes out at the beginning of each year; contributions arrive at year end.
| Effective-rate case | Taxable / deferred / free | Spendable at retirement | Target funded | First unfunded age |
|---|---|---|---|---|
| Effective rates 5 points lower | 5% / 15% / 0% | $480,948 | 38.8% | None through plan end |
| Effective rates selected | 10% / 20% / 0% | $455,635 | 36.7% | None through plan end |
| Effective rates 5 points higher | 15% / 25% / 5% | $430,322 | 34.7% | None through plan end |
Effective rates you choose — not a tax calculator. The model has no tax brackets, deduction rules, contribution limits, penalties, required distributions, or account-specific legal advice.
“Coast” means the entered coast contributions replace the working contributions. It does not mean the plan has already become safe.
Plan funds every modeled year.Patterns, abbreviations, and the table repeat every phase so meaning does not depend on color.
| Type | Phase or account | Starts | Ends | Today-dollar assumption |
|---|---|---|---|---|
| Contribution | Working | Age 40 | Age 50 | Taxable $10,000; Tax-deferred $20,000; Tax-free $10,000 |
| Contribution | Coast | Age 50 | Age 55 | Taxable $0; Tax-deferred $0; Tax-free $0 |
| Spending | Early retirement | Age 55 | Age 75 | $68,000 per year |
| Spending | Later retirement | Age 75 | Age 95 | $55,000 per year |
| Income | Durable income 1 | Age 67 | Plan end | $24,000 per year |
| Income | Durable income 2 | Age 70 | Plan end | $0 per year |
| Account | Taxable | Access age 18 | Plan end | 10% chosen effective rate |
| Account | Tax-deferred | Access age 59 | Plan end | 20% chosen effective rate |
| Account | Tax-free | Access age 59 | Plan end | 0% chosen effective rate |
The permalink contains every modeled financial assumption. It excludes browser-local scenario names, but it may remain readable in browser history, server logs, and to anyone who receives it.
Carries the complete phase and account scenario in the handoff link. The lab opens its supported fixed-real retirement-start case using this target, stock mix, and the nearest supported horizon. Its starting balance is rounded to whole dollars and its withdrawal rate to two decimal places; the original richer scenario remains intact in the link.
Saved comparison workspace
Saved scenarios use local browser storage only. They are not synced to an account or sent to this site. Clearing site data or using another browser removes them there.
No local scenarios saved yet. Run a plan, name it, and save it here.
Method and limits
Beginning-of-year spending, durable income active at its start age, one constant real return, and account contributions at year end. The terminal need uses the entered withdrawal rate; earlier phase needs are discounted backward.
The Sequence Risk Lab engine applies its vendored monthly stock, bond, and CPI record to accumulation and drawdown. Spending is monthly; real contributions arrive after the final monthly return of each contribution year. Historical-cohort model, not a forecast. A failure means the portfolio could not fully fund a scheduled withdrawal before the horizon; incomplete cohorts are truncated and excluded from success rates. The planner reuses the Sequence Risk Lab engine and its vendored monthly return record; it does not add or blend a second historical source.
Tax brackets, deductions, cost basis, contribution limits, penalties, required distributions, benefit rules, fees, account-specific asset mixes, changing effective rates, withdrawal-order optimization, health shocks, longevity probabilities, or estate goals. Effective rates you choose — not a tax calculator. The model has no tax brackets, deduction rules, contribution limits, penalties, required distributions, or account-specific legal advice.