A browser-based suite for long-term financial independence modeling. No accounts. No data uploads. Every calculation runs locally — on your device, under your control.
A five-stage path from knowing your position to planning the drawdown.
Twelve tools live in Cat-10 · Personal Finance. All tools run entirely in your browser — no account, no data transmission.
Run 1,000 market scenarios in your browser to find the true probability your retirement portfolio survives. Uses a parametric Monte Carlo model with Box-Muller sampling — not a static linear calculator. Outputs a probability cone, success rate, and Sequence of Returns Risk overlay. Save as a shareable Scenario Code via the Portable Scenario State system. Zero API. Zero PII.
Open ToolModel your complete financial life — income, expenses, assets, liabilities, savings rate, and net worth trajectory. Generates a financial health snapshot and long-term projection. The starting point for the Wealth Architecture journey.
Open ToolInput monthly revenue, burn rate, cash balance, and growth assumptions to get a real-time SVG trajectory chart showing your current cash curve vs. an optimised scenario. Models Conservative / Base / Optimistic survival paths. Client-side. Zero PII.
Open ToolInteractive compound growth calculator with tax-drag overlay and inflation adjustment. Model contributions, time horizon, and expected return across pre- and post-tax scenarios.
Open ToolVisualize correlation and volatility across your portfolio allocations as an interactive heatmap. Input asset weights and returns to see risk concentration and diversification gaps.
Open ToolModel a three-fund lazy portfolio with rebalancing bands and tax-lot optimization. Configure US equities, international equities, and bond allocation with threshold-triggered rebalancing logic.
Open ToolIsolate the impact of return ordering on retirement outcomes across historical crash sequences. Compare early-retirement crash vs. late-retirement crash scenarios to stress-test withdrawal sustainability.
Open ToolModel the long-run tax cost of Roth conversions vs. traditional deferral across income brackets. Factor in current vs. future marginal rates, RMDs, and estate planning scenarios.
Open ToolApply the Bengen rule with personalized adjustments for age, allocation, and spending flexibility. Model variable withdrawal strategies — constant dollar, constant percentage, guardrails — against historical success rates.
Open ToolCalculate how lifestyle inflation erodes FIRE targets and model frugality levers year by year. Quantify the cost of each $100/month spending increase on your FIRE date and required portfolio size.
Open ToolModel portfolio drawdown in early retirement before Social Security benefits begin, including delay credits. Calculate optimal claiming age, break-even point, and drawdown rate across the bridge period.
Open ToolCompare total return of dividend reinvestment vs. pure growth portfolios with tax-drag modeling. Factor in qualified vs. ordinary dividend tax rates, yield, and growth rate differences across time horizons.
Open ToolModel the lifetime tax impact of converting traditional IRA/401(k) assets to Roth. Compares after-tax wealth at retirement across income brackets, filing statuses, and conversion timing strategies.
Open ToolApply and stress-test the 4% safe withdrawal rule against your retirement portfolio. Models sequence-of-returns risk, inflation adjustment, guardrail rules, and portfolio depletion probability.
Open ToolLast reviewed: May 2026 · 12 tools live · Cat-10 · Personal Finance
Long-term portfolio planning, net worth tracking, and retirement probability modeling. Start with T48 → T107.
Financial independence and early retirement simulation with 1,000-scenario Monte Carlo. Use T107 for probability cone and sequence-of-returns overlay.
Model savings rate impact, target nest egg, and drawdown sustainability across conservative and optimistic scenarios. T48 → T107.
Client demo tool using synthetic data only. Generate and share Scenario Codes without transmitting client PII. No login required.
Academic exploration of FIRE, compound growth, and retirement planning mechanics. All tools free, browser-based, and fully documented.
Open the Personal Finance Life Simulator. Enter your age, income, expenses, assets, and liabilities using synthetic data. The tool generates a financial health snapshot. Your inputs are automatically saved as a PSS state — you won't re-enter them.
Open T107 — Monte Carlo FIRE Trajectory Simulator. Your age and portfolio data from Step 1 will pre-populate via the Portable Scenario State. Set your target retirement age, planned spending, and asset allocation.
The P50 line is the median outcome. Focus on the P10 line — that is your downside scenario. If the P10 portfolio reaches $0 before your horizon ends, your plan needs adjustment.
This shows what happens if markets crash in the first 5 years of your retirement. It is often more damaging than a crash in year 15. If the overlay drops your success rate below 70%, consider a 1–2 year delay or 5–10% spending reduction.
Click "Generate Scenario Code" to save your exact scenario as an AIN-XXXX-XXXX-XXXX code. Text it to yourself, share it with an advisor, or load it on another device. No account required. No data leaves your browser.
All 12 live tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T48 | personal_finance_simulator | age, income, expenses, assets, liabilities, savings_rate | health_snapshot{}, net_worth_trajectory[], pss_code |
| T87 | runway_trajectory_simulator | monthly_revenue, burn_rate, cash_balance, growth_rate | runway_months, scenario_paths[], trajectory_chart |
| T107 | monte_carlo_fire_simulator | age, portfolio_value, spending, allocation{}, retirement_age | success_rate, probability_cone{}, p10_path[], sor_overlay |
| PF-132 | compound_interest_explorer | principal, rate, contributions, years, tax_rate, inflation_rate | future_value, real_value, tax_drag_delta, growth_table[] |
| PF-133 | asset_allocation_heatmapper | assets[]{name, weight, return, volatility}, correlation_matrix[] | heatmap_data{}, concentration_score, diversification_ratio |
| PF-134 | three_fund_portfolio_builder | us_equity_pct, intl_equity_pct, bond_pct, rebalance_threshold | allocation{}, rebalance_triggers[], tax_lot_summary{} |
| PF-135 | sequence_of_returns_risk | portfolio_value, withdrawal_rate, years, crash_scenarios[] | survival_rate, crash_impact{}, sustainability_score |
| PF-136 | roth_vs_traditional_estimator | balance, current_rate, future_rate, years, rmd_start_age | roth_advantage, breakeven_year, tax_cost_comparison{} |
| PF-137 | safe_withdrawal_calculator | portfolio_value, age, allocation{}, strategy, spending_flexibility | max_withdrawal, success_rate, guardrail_triggers[], scenarios{} |
| PF-138 | inflation_creep_destroyer | current_spending, fire_target, inflation_rate, years_to_fire | creep_cost_per_100, fire_date_impact, required_portfolio_delta |
| PF-139 | social_security_bridge | retirement_age, ss_start_age, ss_benefit, portfolio_value, spending | drawdown_rate, optimal_claiming_age, breakeven_point, bridge_cost |
| PF-140 | dividend_drag_vs_growth | yield, growth_rate, tax_rate_qualified, tax_rate_ordinary, years | total_return_comparison{}, tax_drag_basis_points, crossover_year |