See what a house, car, child, or year off does to your financial-independence date.
Compare the decision in minutes. No spreadsheet or bank login.
No spreadsheets to build. No bank login needed.
$2,500 living costs + $300 extra per month, plus $1,000 upfront. No income during the break.
What are you considering?
Explore a decision. Start with sample numbers.
Know what is behind the number.
Built by Daniel Lobato. An independent project for comparing real-life decisions, with the assumptions left visible.
Returns, inflation and withdrawal rates are editable assumptions, not predictions. No bank connection is required; manual planning stays free.
Usage measurement: off
Help improve the decision tools? Optional events only, never your numbers or email. A random browser ID lasts up to 90 days. You can turn this off here.
Your first plan. One what-if.
Three quick steps. Then see what a new job changes.
Fictional example. Simplified assumptions, not a forecast of your results.
Create your free planFree planning beta.
Manual entry, life-event modeling, comparisons, projections, and data export. No credit card required.
Curious, not certain.
This is US-focused educational planning, not financial advice. Returns, taxes, and withdrawal calculations are assumptions and simplified models, not promises.
Paid subscriptions are not live. Founder pricing is an interest test, not a checkout. Bank linking is optional when enabled; it is never needed for a manual plan.
Good questions.
What is my FI number?
Your annual spending divided by your withdrawal rate. At 4%, $40,000 a year means a $1 million starting target. Taxes, timing, and risk still matter.
Can I compare renting and buying?
Yes. Add a home purchase to a second plan, including the deposit, mortgage, and ongoing costs. Compare it with renting, then try that car or career break too.
How much should I trust the projection?
Use it to compare choices, not predict an exact retirement date. Change returns, inflation, and spending. Open the assumptions and projection audit to inspect the math.