What each tool does, and how it works
Most of the calculators on this site — especially the Retirement Success Calculator — rely on backtesting: instead of assuming a single average market return, they run your plan against real historical data, year by year, going back to 1871. Some years were strong, some were brutal — backtesting tests your plan against every one of those sequences, not just an average.
The Retirement Success Calculator also offers Monte Carlo simulation, which resamples random sequences from that same historical data thousands of times, to show a fuller range of possible outcomes rather than one line.
Wealth Calculator — projects growth across decades, with real tax treatment by state and country, RMDs, Social Security, pensions, and windfalls.
Retirement Success Calculator — tests a withdrawal plan against 150+ years of real market history and Monte Carlo simulation, across 12 withdrawal strategies.
FIRE Number Calculator — a quick estimate of your financial independence number and how long until you reach it.
Market Ticker — live gold, silver, and crypto spot prices.
Net Worth Percentile and Income Percentile — see how you compare to other households your age, using Federal Reserve data.
The 1% — what it actually takes to be in the top 1%, U.S. and worldwide.
See the FAQ for answers to common questions, including how taxes are handled, whether these tools work outside the U.S., and why different calculators can give different answers for the same inputs.