Financial Independence Calculator
Calculate your path to freedom
Stress-test your retirement plan with 1,000 market simulations to see if your savings will actually last.
Learn how this calculator worksYour details
Target success rate
Standard recommendation. Your money lasts in 90% of market scenarios.
Tip: Tap values to type exact numbers
Saving 60.00K/year
80% stocks / 20% bonds
Want to adjust assumptions? This calculator uses default values for inflation (2.5%), expected returns (10% stocks, 4% bonds), and Social Security ($2,000/month starting at age 67). To customize these for your situation, use the full Pulse financial model.
Ready to calculate
Enter your details and run 1,000 simulations to stress-test if your plan will survive real market volatility
Go beyond snapshots
This calculator is just the beginning
The Pulse app uses the same Monte Carlo engine with the power to track your real portfolio, save scenarios, and model your entire financial life.
Save Scenarios
Compare "retire at 45" vs "retire at 50" side by side. Save and revisit your what-if scenarios.
Link Real Accounts
Connect your 401(k), IRA, brokerage, and bank accounts. Track your actual holdings.
Model Complexity
Rental income, pensions, stock options, inheritance. Model your complete financial picture.
And More
Goal milestones, daily market briefs, intelligent insights, portfolio analytics...