Now available for Windows

Model your path to FIRE with real confidence.

A serious Monte Carlo retirement & net-worth planner. Ten thousand simulated futures, tax-aware drawdown, and Social Security & Roth optimizers — the kind of modeling a fee-only advisor charges for, built privacy-first.

Start 7-day free trial Download free for Windows See the features

Monte Carlo net-worth projection with median and percentile bands across ten thousand simulated futures

Real math, not a single guess

The kind of modeling a fee-only planner charges for — private by default.

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Full-distribution Monte Carlo

Thousands of simulated futures per run (5,000 by default, configurable to 100,000) — percentile bands and a full distribution of where you actually land, not one made-up "you'll have $X" line.

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Tax-aware drawdown

Compare VPW, guardrails, and fixed-% strategies side by side, with RMDs, Roth conversions, and Social Security taxes modeled in today's dollars.

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Built-in optimizers

Your highest safe starting spend, your best Social Security claiming age, and the Roth-conversion bracket that leaves the most after tax — each with a confidence score.

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Social Security

Built from your real earnings history, including spouse and survivor benefits and a full claiming-age comparison from 62 to 70.

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Sensitivity analysis

A tornado view that shows exactly which assumptions your plan hinges on — instead of guessing.

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Tracking built in

A net-worth log over time, plus spending analytics you populate by importing your bank and card CSVs.

A look inside

Swipe or use the arrows — click any image to enlarge it.

Overview dashboard, net-worth log, and spending analytics side by side — **Your whole picture in one place.** Dashboard, net-worth log, and spending analytics — balances, growth, and cash flow in one view.

Drawdown Simulation page comparing withdrawal strategies across ten thousand runs — **Compare withdrawal strategies** — VPW, guardrails, and fixed-% — and solve for a safe starting spend.

Suggested initial spending solver — **The guardrails solver** finds the highest starting spend that still clears your confidence standard.

Social Security page with benefit by claiming age — **Social Security** modeled from your real earnings history, with spouse and survivor benefits.

Sensitivity tornado chart of what moves the plan — **What moves this plan?** A tornado view of the assumptions your outcome actually depends on.

Best Social Security claiming age recommendation — **Find your best claiming age** in one click, scored across every age from 62 to 70.

Best Roth conversion policy recommendation — **Find the Roth-conversion policy** that leaves you the most after tax, with the trade-offs laid out.

Ready to model your path?

Try Premium free for 7 days — the full planning suite: tax-aware retirement drawdown, historical backtests, Social Security & Roth optimizers, and more. Your signup includes the Windows download and a license key, delivered on the confirmation page. After the trial it's $5.99/month; cancel anytime (including during the trial) in the billing portal and you won't be charged.

Start your 7-day free trial

Just want to start free? Download FIRE Club free — net-worth tracking, paycheck tracking, spending analytics, and the full Monte Carlo net-worth projection, with no account and no card. Upgrade to Premium anytime.