Can I retire at 45?
Can my portfolio survive a recession?
Can I afford that vacation home?
Will my money last to 95?
How much should my bridge account be?
Budget for today. Simulate for tomorrow.
See how today's spending changes the age you can stop working, and what you can afford to do before then. Our engine scales from simple savings goals to complex realities, handling custom tax scenarios, RMDs, Social Security, and your own life path.
Interactive tools beat static advice. Whether you're planning for early retirement, modeling tax strategies, or comparing debt payoff methods, you can run all of our specialized calculators and deep-dive simulations for your specific needs. Experience dynamic charts, highly personalized data modeling, and interactive visualizations entirely for free.
And you don't have to come here to use it. Connect Claude, ChatGPT or Gemini to your account and your own assistant can read your real numbers and run these same projections in the conversation you're already having — see how that works.
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Start Your Journey Today
Professional tools. Private data. No compromises.
We believe financial clarity is a right, not a product. Access every calculator, simulator, and AI tool without a credit card.
Create Free ProfileControl the cash that fuels your plan.
You can't optimize your retirement if you don't know where your money is going today. Our budgeting suite gives you complete visibility and control over your daily spending without the busywork.
Digital Envelope System
Use 'Smart Jars' to set aside cash for groceries, guilt-free spending, or your next vacation.
Hands-Free Voice Entry
Just say "I spent 15 dollars on lunch." We'll transcribe, categorize, and log it instantly.
Smart Auto-Categorization
Connect your bank accounts and new transactions are sorted into your categories by the rules you've saved and how you've categorized before.
Monthly Budget
Groceries
$450 / $600
Dining Out
$280 / $300
Fun Money
$150 / $200
Subscriptions
$45 / $50
Where are you in the financial journey?
Pick the path that fits. Each one starts with a free interactive guide.
Sprinter
Build savings, understand compounding, set a FI target.
Accumulator
Buy a house? Pay off debt? Coast FI? Model the trade-offs.
Strategist
Drawdown, Roth conversions, tax-optimized withdrawals.
Budget-first
Smart Jars, voice entry, and AI categorization.
An Unparalleled Toolkit
From quick estimates to deep-dive simulations, we provide the tools you need to navigate every stage of your journey.
AI-Powered Context
Our Advisor doesn't just chat; it understands your finances. It interprets your data to give personalized feedback and build your profile for you.
Or Bring Your Own AI
Connect Claude, ChatGPT or Gemini to your account. Your assistant reads your real budget and plan — and runs the same tax-aware engine — from wherever you already talk to it.
Detailed Projections
Simulate your net worth, investments, and cash flow for the next 50+ years. Account for taxes, inflation, Social Security, and variable returns.
Custom Life Paths
Life isn't linear. String together different scenarios—like working for 10 years, then moving abroad—to model a complex and realistic future.
Your Money. Your Data.
Private by Design.
We believe your financial data belongs to you. That's why we built an architecture where privacy isn't just a policy—it's code.
Envelope Encryption
Every account gets a unique Data Encryption Key (DEK). Your sensitive fields are encrypted before they ever touch our database.
Data Decoupling
Identity and Financial Data are stored in separate, isolated environments. Administrators cannot access your credentials.
No Data Selling
We are a tool provider, not a data broker. We never sell, rent, or share your financial profile with third parties.
Your assistant knows you.
Now let it know your money.
You already have a long conversation going with Claude, ChatGPT or Gemini — one that knows your job, your family, what you're trying to build. It just has no idea what you earn, what you owe, or how close you are.
Life Budget runs a remote MCP server, so you can connect it in about five minutes. Your assistant then reads your real budget and retirement plan — and, crucially, runs projections through the same tax-aware engine this site runs, instead of doing thirty years of compounding in its head.
It can act, not just answer. Categorize a backlog, fix a stale rent assumption, re-run the plan — in conversation.
It can't do the frightening things. No delete, anywhere. No moving money — Life Budget holds none. No touching bank links, billing or your sign-in settings.
You approve every client by name, and revoke it whenever you like.
“If I retire at 52 instead of 55, what happens to my net worth at 80?”
Both paths come back year by year — taxes, inflation, per-account returns, the 59½ wall — from the same engine the simulator on this page just ran for you. The model explains it. The engine computed it.
38 tools · Claude · ChatGPT · Claude Code · Gemini CLIEverything You Need to Plan
From quick checks to deep simulations, access our full suite of professional-grade calculators.
Everything You Need to Know
Yes, but it requires a plan. Our simulator helps you model different savings rates, market returns, and expense scenarios to show you exactly when you hit your 'Freedom Number' based on your unique inputs.
Absolutely. We are a privacy-first platform. We do not store your bank credentials or sell your data. Your simulation inputs are processed securely and you can use the tool completely anonymously in Guest Mode.
Coast FIRE is when you have enough invested that you no longer need to contribute to your retirement accounts—allowing you to 'coast' by just covering your living expenses. Our simulators can calculate your specific Coast FIRE number.
No. You can manually input your balances to get started instantly. Linking accounts is optional and only used for automated tracking if you choose to enable it.
Our simulator considers your current age, savings rate, and expected returns to give you a precise probability of success for retiring at 45, helping you understand if you're on track.
Use our simulator to stress-test your plan against historical market downturns (like 2008 or 2000) to see how your portfolio recovers and if your safe withdrawal rate holds up.
Model large one-time purchases like a vacation home to see the immediate impact on your net worth and long-term liquidity.
We run simulations up to age 100+ to ensure your assets don't deplete prematurely, accounting for inflation and healthcare costs in late retirement.
Calculate the exact amount needed in your taxable brokerage account to bridge the gap between early retirement and when you can access your 401k/IRA funds penalty-free.