Financial Independence Planner

Model accumulation, retirement spending, guaranteed income, taxes, fees, and sequence risk.

Purpose: Compare financial-independence scenarios with transparent assumptions. This is an educational planning model, not investment, tax, or legal advice.

Plan assumptions

Household and portfolio

Current age

Target retirement age

Current portfolio

Annual contribution

Annual retirement spending

Guaranteed annual income

Guaranteed income starts at age

Planning horizon age

Expected nominal return %

Volatility %

Inflation %

Fees / tax drag %

Effective retirement tax %

One-time event amount

One-time event age

Monte Carlo runs

FI target—

At retirement—

Funding gap—

Success rate—

Scenario comparison

Conservative / base / optimistic

Deterministic path

Selected ages

Age	Portfolio	Spending	Guaranteed income

Planning output

Household and portfolio

Conservative / base / optimistic

Selected ages

Summary

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