Your Finances and Expenses
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Personal
Age: calculating...
Income & taxes
Taxable accounts
Cash & brokerage — accessible before retirement account unlock
Cash-first withdrawals
When on, draw HYSA before 401k/brokerage for a set window after FI
Untaxed principal in brokerage
Pooled with brokerage
While working: % of surplus to cash; remainder to brokerage
Retirement accounts
401k/Traditional IRA & Roth IRA — tax-advantaged; unlock at age below
While working only
Applies to all retirement accounts
0 = auto (73 or 75 by birth year). Traditional 401k/IRA only.
HSA & health
Employer coverage ends
Medicare at 65
Housing
P&I rate for principal/interest split
Fixed equal P&I payment
Payment verification runs when inputs change.
Living expenses
Major one-time items — the amount you'll pay in that year
Children
Passive income streams
Model assumptions
Cash + brokerage ≥ this % of starting liquid at 401k unlock
When will you reach financial independence?
Enter your numbers on the left and watch your FI age update live. Free for a limited time — unlock the full simulation, dashboard, and charts.
Phase 1: FI → 401k unlock (cash + brokerage) · Phase 2: after unlock (adds 401k/IRA)
Try FI at
—
FIRE target
—
life-normalized expenses at FI ÷ SWR
Portfolio at FI
—
liquids + retirement accounts
Net worth today
—
incl 529 + HSA
Trad RMD
—
from age —
| Year | Age | AT income | Expenses | Brokerage | 401k | FI? |
|---|---|---|---|---|---|---|
| 2026 | 45.75 | $38,728 | $29,150 | $890,578 | $1,127,000 | — |
| 2027 | 46 | $155,163 | $119,072 | $1,005,143 | $1,219,020 | — |
| 2028 | 47 | $162,400 | $122,600 | $1,124,800 | $1,318,500 | — |
| 2029 | 48 | $168,900 | $126,300 | $1,251,200 | $1,425,600 | — |
| 2030 | 49 | $142,500 | $130,100 | $1,385,400 | $1,541,200 | — |
| 2031 | 50 | $98,200 | $134,000 | $1,528,900 | $1,665,800 | — |
| 2032 | 51 | $86,400 | $138,000 | $1,412,300 | $1,799,600 | ✓ FI |
| 2033 | 52 | $91,800 | $142,100 | $1,298,500 | $1,943,200 | ✓ FI |
| 2034 | 53 | $94,200 | $146,400 | $1,187,600 | $2,097,400 | ✓ FI |
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