Features, fixes, and improvements.
Sell-at-vest or hold-for-LTCG? Model the tax-timing question Job Offer doesn't answer. Compares selling RSUs the moment they vest (paying ordinary income on the whole amount) vs holding one year for long-term capital gains — with break-even market-return math, LTCG savings, and the concentration risk you're taking on to earn that spread.
Figure out the order to fill 401(k) / Roth IRA / HSA / brokerage from each paycheck. Shows the after-tax value of every bucket at your current bracket + expected retirement bracket. Free forever.
Monte Carlo survivability plus a three-bucket (cash / bond / stock) strategy, stress-tested against the sequences that broke real retirees: 1929, 1966, 2000, and 2008. See when a bear market at retirement year 1 would break the plan and when it wouldn't.
Honest benefit math for early retirees — including how zero-earning years compound into a lower AIME, and when claiming at 62 vs 67 vs 70 actually pays off.
Which account to draw from first — taxable, traditional, or Roth — and the LTCG-band math that makes 'brokerage first' the wrong answer more often than the FIRE forums admit.
Model your pre-Medicare healthcare costs on the ACA marketplace. Includes the 400% FPL cliff, the applicable-percentage schedule, and the KFF-based benchmark premium for your age.
The pre-59.5 bridge tool. Fill your 12%/22%/24% bracket with Traditional-to-Roth conversions each year and watch the 5-year ladder unlock penalty-free access.
Ask why your number is what it is, right inside the Compound Growth and FIRE Number calculators. Answers are grounded in your current inputs and our methodology docs. Opt-in, numbers-only, never stored — and always with a static explainer fallback.