Built for people with debt, late starts, and real lives — not spreadsheet fantasies. Most people never check. You're about to.
Whether you're $10k in debt or ten years from retirement, the tool adapts — most calculators assume you already have money.
A 3.9%–5.25% withdrawal range grounded in current research, plus a real Monte Carlo simulation — not a hardcoded 4% rule.
Find out how many years your current plan actually takes, or set a target year and see what it would take to hit it.
In a hurry? Jump straight to the full calculator instead.
Illustrative examples, not live calculations — a way to see roughly where you might land. Run your own numbers in the quiz above or the full calculator below.
Everyone's real number depends on their actual income, savings rate, and debt — these are directional, not promises.
Drag any slider. Everything recalculates live, including a 30-year retirement stress test.
Transparency matters as much as the math. Here's what we're actually building, in order.
No fixed dates yet — we'd rather ship it right than promise a quarter and miss it. The waitlist is how you hear the moment each piece ships.
Simplified global-math calculators for a few more countries. Not as deep as the SG/AU/IL editions yet — tell us which one deserves the full treatment next.
A short, honest email series on the handful of levers that genuinely change your timeline — savings rate, sequence-of-returns risk, and the pension rules most calculators quietly ignore. No pitches, no affiliate links, unsubscribe in one click.
You'll also be first in line when saved plans and PDF export ship — and you get a vote on which country gets the next deep build.