A day-by-day FIRE simulator that answers one question: how long do you need to work at a high salary before you can stop, coast, or retire? It simulates cash flows for every day to age 112 in real (today’s) dollars: wages arrive net of income tax, padded expenses are deducted (safety factor 1.1×), surpluses are invested, and shortfalls trigger portfolio sales and tax on those sales. A bisection solver finds the shortest continuous stretch at the high salary that keeps the cash balance nonnegative each day. Each plan is solved for three concrete goals - retire-to-zero (money lasts to 112), coast-until-60 (work only enough to cover core expenses until 60), and flat-from-100 (portfolio never shrinks after age 100) - and produces stop ages, terminal portfolio balances, year-by-year net worth and cashflow charts, and an income-plan table.
Features include what-if tables (how many weeks earlier an extra lump sum at a given age lets you stop), multi-city moves (swap expenses and taxes at a chosen age), grid sweeps across ladders, partner incomes, tax setups and account types, and modeled 401(k)/Roth/529 accounts (toggleable). Tax brackets for CA and TX are included for realistic take-home estimates. The codebase was built in a conversation with an AI assistant (Claude) and explicitly states it is not financial advice; examples and quickstart commands are provided for hands-on exploration.
Summary generated by AI from the linked article. hn.today is not affiliated with Hacker News or Y Combinator.
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