Grouped in the order a new investor actually needs them: first understand the terrain, then decide your portfolio, execute the plan, and finally figure out when you can live off it.
Understand
The terrain: what time does to your money, and what each fee actually costs you.
Compound Interest Calculator
Year by year, how much you put in versus how much the market generated — in today's dollars, inflation-adjusted.
Open calculatorInvestment Fee Impact Calculator
What the silent partner takes from your portfolio. Compare two expense ratios and see the gap compound over 25 years.
Open calculatorHistorical Returns Simulator
What actually would have happened, using real annual returns — and how much the outcome changes just by starting one year later.
Open simulatorDecide
Design your portfolio: how much in stocks, and how it plays out over time.
Asset Allocation Calculator
How much in stocks and how much in bonds. Set by the tighter of two limits: your time horizon and the drawdown you could stomach without selling.
Open calculatorPortfolio Projector
Stock/bond allocation is the one decision that really matters. Compare allocations, including a bad sequence of years.
Open simulatorExecute
Put the plan into motion and keep it running when your portfolio drifts off target.
Live off your portfolio
When you can stop working for money, and how much you can safely withdraw.
FI Number Calculator
How much capital you need to live off your portfolio, based on your annual spending and the withdrawal rate you choose.
Open calculatorTime to FI Calculator
How many years are left? The answer depends mostly on your savings rate — not on your returns.
Open calculatorCoast FIRE Calculator
The point where you can stop contributing and still get there — compound growth finishes the job on its own. It usually happens earlier than people think.
Open calculatorSafe Withdrawal Rate Simulator
How much can you withdraw per year without running out of money? Stress-test your plan against nearly a century of real market history.
Open simulatorThese 11 tools cover everything that isn't country-specific. The Spanish site has 21 tools in total — the other 10 handle Spanish tax rules (capital gains, tax-loss carryforwards, pension plans) and only make sense for investors filing taxes in Spain.
See all 21 tools (in Spanish) →