See where your money takes you.
Simulate every year of your financial life — income, spending, investments, taxes, and debts — and watch the milestones fall into place.
Retire when the math says so, not the calendar.
Milestones fire the first year their conditions hold — an age, a date, or a financial metric, combined with AND and OR. “FIRE when net worth hits 25× spending, but only after the house is paid off” is one milestone with two conditions. Mark life events too — a move, a new job, a kid — and hang income, expenses, and purchases off the moment they happen.
Explore milestone typesVisualize your whole life, then stress-test it.
Drill into any simulated year: estimated taxes, cash flow, withdrawals, estate value. Backtest against nearly a century of real market history, or run up to 10,000 Monte Carlo trials to see the spectrum of outcomes.
Every trial re-runs your whole plan against market history since 1928 — or a distribution you tune — then sorts the outcomes: money left over, failed early, failed late.
Follow income and withdrawals through taxes, spending, and debt payments into the accounts they land in — for any year of the plan.
Federal brackets, your state’s, FICA, capital gains, RMDs — withheld during the year, settled the next — estimated for every simulated year.
See what each tax strategy is worth. Then keep it.
Layer strategies over the plan without touching it: Roth conversions that fill a target bracket, capital gain harvesting in 0% years, withdrawal shielding, your own drawdown order, the 4% rule, flexing spending in down markets. Compare the plan with and without — lifetime taxes, net legacy, chance of success — and apply a preset in one click.
See how Optimize worksModel real life, not a straight line.
Salaries with raises, going part-time before retiring, pensions, Social Security, RSU grants, rental income, one-time windfalls. Every stream carries its own growth model, tax treatment, and start and end — bound to an age, a date, or a milestone.
Order where each year’s surplus goes: build the cash reserve to a target, max the 401(k), fill the Roth — even the backdoor — then invest the rest. Shortfalls draw down accounts in the order you choose, automatically.
Buy the house at 35, finance it, sell it at retirement with the home-sale exclusion. Down payments, mortgages, property taxes, maintenance, rentals that pay you income — simulated inside the plan, not scribbled in the margins.
Deterministic, year by year, to age 120 if you like.
No black box. Every year the simulation resolves milestones, pays income, covers expenses, services debts, grows your accounts, routes the surplus through your priorities — and settles last year’s taxes as a refund or a bill, like real life. Same inputs, same answer, every time. Every assumption is yours to change, or to swap for replayed market history or hand-drawn rate curves.