Will the money last, and how do I reach it early?

Stress-test your withdrawals against thousands of market histories, then plan Social Security, the Roth conversions and 72(t) payments that unlock money before 59½.

FI age47

FI number$1.50M

Success80%

FOR YOU IN RETIREMENT WITHDRAWALS & EARLY ACCESSRaise your savings rate by 5 pointsFIRE CALCULATOR0.8 yrs sooner Test the plan against 5,000 marketsRETIREMENT CALCULATOR4.0% withdrawal Capture the full 401(k) match401(K) CALCULATOR$4,350 / yr free See the full map →

START HERERetirement Monte Carlo SimulatorRetirement calculator with Monte Carlo simulation: 5,000 randomized market paths against your spending. 72(t) SEPP CalculatorSee how much an IRA can pay each year before 59½ under the RMD and fixed amortization methods, and what a 72(t) plan locks you into. Roth Conversion Ladder CalculatorFill a tax bracket each year and see how much to convert to Roth, what it costs in federal tax, when each conversion becomes penalty-free before 59½, and where the 2026 ACA line sits.

PLAN · 0/5Retire early

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The formula, always

Equation, worked example with your numbers, assumptions listed.

[1]

Primary sources, cited

IRS, Federal Reserve, BLS, Shiller. Dated and linked on every page.

Gates

No login, no email wall, no submit button. The app is offered, never required.

✓ U.S. Stock Market Data, 1871–2025 · Robert Shiller, Yale✓ Notice 2022-6: Determination of Substantially Equal Periodic Payments · Internal Revenue Service, 2022✓ Rev. Proc. 2025-32: 2026 inflation-adjusted tax items (brackets, standard deduction, capital-gains amounts) · Internal Revenue Service, 2025✓ Determining Withdrawal Rates Using Historical Data · Bengen, Journal of Financial Planning, 1994✓ Rev. Proc. 2025-25: applicable percentage table for 2026 · Internal Revenue Service, 2025✓ Cost-of-Living Increase and Other Determinations for 2026 · Social Security Administration, Federal Register 90 FR 49047 (Nov. 3, 2025)✓ Publication 590-B, Distributions from Individual Retirement Arrangements (Table III, Uniform Lifetime) · Internal Revenue Service✓ U.S. Stock Market Data, 1871–2025 · Robert Shiller, Yale✓ Notice 2022-6: Determination of Substantially Equal Periodic Payments · Internal Revenue Service, 2022✓ Rev. Proc. 2025-32: 2026 inflation-adjusted tax items (brackets, standard deduction, capital-gains amounts) · Internal Revenue Service, 2025✓ Determining Withdrawal Rates Using Historical Data · Bengen, Journal of Financial Planning, 1994✓ Rev. Proc. 2025-25: applicable percentage table for 2026 · Internal Revenue Service, 2025✓ Cost-of-Living Increase and Other Determinations for 2026 · Social Security Administration, Federal Register 90 FR 49047 (Nov. 3, 2025)✓ Publication 590-B, Distributions from Individual Retirement Arrangements (Table III, Uniform Lifetime) · Internal Revenue Service

Will the money last, and how do I reach it early?

The Retirement shelf

Retirement withdrawals & early access tools