Accuracy & Trust
Verified to the dollar. Every number in your plan is checked line-by-line against your own Google Sheet and matches it exactly — all 82 columns, every year, to the dollar. Your sheet stays the official record, and the app never quietly rounds or estimates behind your back. All Pages
Automated daily accuracy check. A background watchdog re-verifies your plan against your sheet every morning and flags any drift greater than a dollar — so the numbers you rely on stay trustworthy over the years, not just on day one. Behind the scenes
Safe-spend solver, rebuilt for certainty. The "how much extra can I safely spend" figure is now computed by a deterministic solver that always lands on the same answer — protecting both your legacy goal and your safety floor, so your plan never spends down below the line you set. Inputs · Dashboard
Features at Launch
Projection engine to age 110. Year-by-year portfolio, income, and expense modeling from today through both partners' projected lifespans (capped at age 110). Powered by your private Google Sheet. Dashboard
Monte Carlo simulation — 1,000 market scenarios. Runs entirely in your browser using your actual data. Shows success rate, median/worst/best outcomes, fan chart, depletion risk by year, and plain-English verdict with depletion year detail. Stress Test
Stress Test — sequence of returns scenarios. Year-1 market crash (−20% and −30%), high inflation (5%), custom scenario sliders, and base case comparison. Stress Test
Roth Conversion Optimizer. Calculates the ideal annual conversion to minimize lifetime taxes, with IRMAA Medicare surcharge detection and a visual conversion window planner. Tax Engine · Inputs
Roth Access Ladder. Year-by-year visual showing when each account bucket unlocks penalty-free — taxable brokerage, pre-tax 401k, Roth conversions (5-year clock), Roth growth, and HSA. Includes Rule of 55, 72(t) SEPP, and Roth ladder strategy guides. Roth Ladder
Tax Engine with IRMAA modeling. Real 2026 marginal rates, standard deductions, all five IRMAA Medicare surcharge tiers, RMD schedule, and Roth conversion window analysis. Tax Engine
Medicare Planner. All parts of Medicare explained (A, B, C, D, Medigap), IRMAA calculator with your income highlighted, lifetime cost estimate, enrollment timeline, and strategy tips. Medicare
Long-Term Care Planner. National median costs for all 6 care settings, a funded reserve calculator, portfolio impact chart (funded vs. unfunded), and guide to all 6 funding strategies including Medicaid rules. LTC Planner
Healthcare Bridge calculator. Estimates pre-Medicare insurance costs for early retirees — a number most plans miss entirely ($50K–$150K+ for a couple retiring before 65). Inputs
Smile Curve spending model. Three-phase spending (active/settling/healthcare-heavy) with customizable weights — because retirees don't spend a flat amount every year. Dashboard · Inputs
Couples support — fully independent. Two partners with different ages, retirement dates, Social Security, accounts, and RMD calculations. Survivor benefit modeled automatically. All Pages
Social Security optimizer. Both partners' benefits, survivor scenarios, optimal claiming age, COLA adjustment, and break-even analysis. Inputs · Dashboard
Pension income planner. Dedicated fields for pension income, start date, and survivor election — plus a lump-sum vs. annuity comparison so you can see which option serves your plan better. Inputs
FIRE Intelligence panel. FI Date, Safe Withdrawal Rate, FIRE type (Lean/Regular/Fat), and Coast FIRE number — updated automatically as you change your numbers. Dashboard
Annual Check-In system. Guided one-page form to update balances and assumptions each year in about 15 minutes. Keeps your plan accurate forever. Annual Check-In
Print-ready Summary Report. Professional one-pager for sharing with a spouse or financial advisor — all your key numbers, income waterfall, and stress test results. Summary
Setup Guide with full FIRE glossary. Every concept explained from scratch — FIRE, FI, SWR, Coast FIRE, Roth ladder, IRMAA, RMDs, Smile Curve, sequence of returns risk — no financial background required. Setup Guide
Live Demo mode. Full tool with sample data — try every page before connecting your sheet. Demo
Dynamic partner names. Enter your names on the Inputs page and they appear throughout the tool — every chart label, header, and table. All Pages
Auto-refresh on save. Save on Inputs → Refresh on any page → all data updates instantly. No manual hard refresh required. All Pages
