YOUR FINANCIAL INDEPENDENCE PLAN

Find the earliest path the plan can actually support.

Start with a few facts. We test the supported strategies against the same spending goal and show the limitations beside the result.

Example values are shown. Replace them with your own before testing a plan.

START HERE

Your picture

Amounts are annual USD in today’s dollars unless labeled otherwise.

Current age Target retirement age Annual lifestyle spending $ Annual investing from work $

Where is your money? Account balances and access

Cash reserve $ Brokerage balance $ Brokerage cost basis $ Traditional retirement accounts $ Roth balance $ Roth contribution basis $ First Roth contribution year Roth conversion year Taxable amount in that conversion $ After-tax amount in that conversion $

Leave all three conversion fields blank only if none remain. For one cohort, enter its year and both remaining principal amounts (including zeros). Multiple cohorts are not supported in this form; do not combine different years.

Household and healthcare Needed to cost coverage

Filing status Household size Coverage before 65 Coverage eligibility Marketplace region Annual plan premium $ Annual benchmark premium $ Annual out-of-pocket care $ Annual health cost at 65+ $

The engine does not determine eligibility. “Unknown” stops a fully costed recommendation instead of assuming free or subsidized coverage.

Market and tax assumptions Visible, editable assumptions

Nominal annual return % Annual inflation % Minimum cash reserve $ State tax treatment Estimated state tax rate % Plan through age Search through work-change age

Fixed in this release: 1.5% taxable dividend yield, 90% qualified-dividend share, 2% cash return, and tax thresholds growing with inflation. Every returned assumption appears with your result.

Your details are sent to the planning service to calculate this result. This app does not persist them in browser storage.

BEST AMONG THE STRATEGIES TESTED

Your result will appear here.

Start with your picture.

We will only show a retirement date after the engine has tested it against the facts and assumptions you supplied.

Work could become optional—

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Earlier than baseline—Only when both paths are tested

Annual life to fund—Spending, tax, and health costs are modeled separately

Early-downturn stress—No probability is implied.

What matters most

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Tested paths

Year-by-year retirement details

Year / age	Cash withdrawn	Realized gains	Roth conversion	ACA MAGI	Federal / state tax	Healthcare / credit	Unfunded need

Coverage and limitations

Details the engine flagged

All assumptions used

Rules and sources

Educational planning only, not tax, investment, or legal advice. Engine sources and rule dates appear with the returned plan.