Enter your current situation to see when you'll reach financial independence.
Current Situation
€30k
Post-FIRE Income
Expected average from pensions, part-time work, rentals, etc.
Target & Assumptions
Plan Future Scenarios
Model your complete financial future with income phases, windfalls, and emergency strategies.
Portfolio & Expenses ?
Time Horizon ?
Calculating...Life expectancy: ...
Investment Assumptions ?
Income Phases ?
Windfalls ?
Emergency Hustle ?
Spending Rules ?
Mortality Modeling ?
1000 simulations
Stress Test Scenarios
These scenarios test your plan against historical crises and hypothetical worst-case conditions.
A robust plan should survive most scenarios. Pay attention to which scenarios cause failures
and consider whether those risks are acceptable to you.
Portfolio Success
Simulation Parameters
Portfolio Trajectories (All Percentiles)
The shaded areas show the range of outcomes. The darker the shade, the more likely.
Middle line (50th percentile) = median outcome. Outer edges = best/worst 5%.
Failure Analysis (Bottom 5%)
Each line represents a simulation that ran out of money. Earlier failures (steeper drops) are more concerning.
Close Calls (Survived but Scary)
Failure Details
Security vs. Giving Capacity
This chart shows the trade-off between personal financial security and potential giving/legacy capacity.
Higher portfolio = higher success rate but more wealth "locked up" in safety buffer.
Add Income Phase
When this income begins
When this income stops
Gross income per year in thousands of euros
Add Windfall
When you expect to receive this
Total amount in thousands of euros
Finnish Retirement Presets
Click to add common Finnish income sources to your plan. You can add multiple.