Early Retirement Planner

When could you actually stop working?

Early Retirement Planner turns your numbers into a clear answer: the age and year you could reach financial independence, how ready you are today, and what would move that date closer.

SEE YOUR FREEDOM DATE

Enter your age, income, savings, monthly contributions and spending. The Home dashboard shows your projected independence age and year, a readiness percentage, and a crossover chart of when your portfolio could cover your spending.

A CALCULATOR THAT UPDATES AS YOU TYPE

• Investments, cash, contributions, expenses and mortgage
• Partner and child fields for couples and families
• Optional Social Security, pension and part-time income
• Adjustable return, inflation and life expectancy assumptions
• 3%, 3.5% or 4% withdrawal rate

SEVEN RETIREMENT PATHS

Traditional, Lean, Coast, Barista, Comfortable, Couple Staggered and Family FIRE. Pick the one that fits your life and see how your target changes.

WHAT-IF LEVERS

Save more each month, retire a few years later, spend less, add part-time income, pay off the mortgage, or change the return and withdrawal rate. See the effect immediately, then apply it to your plan.

COMPARE SIDE BY SIDE

See your current plan next to a Faster plan and a More Conservative plan.

MY PLAN

Your retirement target, years remaining, the monthly saving needed for your chosen age, projected income versus spending in retirement, a plain-language explanation of how it was worked out, and a checklist of next steps.

LEARN

Twelve short articles on financial independence basics, compound growth, inflation, withdrawal rates, healthcare before Medicare, Social Security timing, planning as a couple, market downturns, and why projections are not guarantees.

PRIVATE BY DESIGN

No account and no sign-in. Your plan is stored only on your device, and the app does not connect to your bank or investment accounts. Purchases are handled by Apple and RevenueCat using an anonymous ID.

IMPORTANT

Early Retirement Planner provides educational estimates for planning purposes only. Results depend on the assumptions you enter and are not guaranteed. The app does not provide financial, investment, tax, legal, insurance or retirement advice, and does not recommend specific securities or products. Consider consulting qualified professionals before making important financial decisions.