The whole plan, year by year
Every year from today to the end of the plan — starting from today's balances, with the
current year counted only for the months still to come: income, taxes, withdrawals, and what's
left. Coast, Lean, FIRE and Fat milestones get dated along the way, and you can open
any single year to see where every dollar went. The projection engine, milestones and
money-flow detail are free for everyone.
Real tax engines, not effective-rate guesses
US: federal brackets, LTCG stacking, NIIT, RMDs, Roth conversion ladders, 72(t),
state presets. Canada: every province, RRSP meltdown, OAS clawback, RRIF minimums.
Plus a Pro optimizer that searches withdrawal order and savings priority together to
estimate your earliest realistic retirement date.
Two honest survival numbers — and what moves them
Your dashboard shows two odds, free for everyone, and says exactly what each one assumes.
Monte Carlo runs thousands of random futures at your expected return — the planning number.
S&P 500 history replays your plan through what actually happened from every start year,
1928–2024, with each year's real inflation — the stress test. A plain-language guide tells you how to
read the two together, and a flexible-spending rule lets the plan trim discretionary spending
while markets are down instead of pretending you'd spend the same through a crash.
Pro's Insights go deeper: what happened to every run, why the failed ones failed, and
lever tests — retire later, spend less, part-time income, flexible spending — ranked by how much
each one moves both numbers, plus what it would take to reach your target (failure analysis,
retirement-year heatmap, survivor & conversion analysis included).