Build your personalized financial independence plan.
Estimate when you could change how you work, how much earned income you may still need after that, and when your investments could support your spending without employment income — under assumptions you can see and edit.
Free · No account · Financial data stays in your browser
Educational planning estimates — not financial advice.
Under the base assumptions, this example stays funded past age 95 with about $2,600/mo earned after the change.
Three answers, stated plainly
Enter your current position, future spending, and expected income. The plan comes back as:
1 · Work-change age
The earliest age you could change how you work — retire, go part-time, switch careers — with the plan staying funded through your planning horizon.
2 · Income still needed
The minimum earned income the years after the change would need to bring in — the bridge between the change and full independence.
3 · Full FI age
The age your investments and non-earned income could carry your spending with no employment income at all — your backstop if the new chapter pays nothing.
How it works
- 1
Enter your current position
Age, income, spending, invested assets, cash, debts, and contributions. Stored in your browser, nowhere else.
- 2
Describe the change you want
When you'd like the option to work differently, what you'd spend, and any income you expect — part-time work, Social Security, a pension.
- 3
Review the assumptions
Returns, inflation, withdrawal rate, and planning horizon are visible and editable. Every plan runs three times: conservative, base, optimistic.
- 4
Compare realistic alternatives
Your plan next to earliest full FI, traditional retirement, and the named FIRE paths — same assumptions, so the tradeoffs are real.
Retirement is an option. Purpose is personal.
Financial independence isn't primarily about escaping work. It's the degree of financial flexibility available to you at a point in time — and it can support many choices: continued work, fewer hours, a career change, a business, caregiving, education, service, creative work, rest, or retirement. All of them count.
WorthCurve doesn't prescribe one. It shows what each would take.
A plan with two dates, not one guess
Answer three questions and a short money sketch. WorthCurve computes your plan and states it plainly:
Example result
Work-change age
49
Full FI age
59
Bridge income
$2.6k/mo
Safety margin
Moderate
“You could make the switch around 49, as long as the years after it earn about $2,600/mo. Even if that income never appears, full financial independence arrives around 59.”
Illustrative numbers. Yours are computed from your own inputs — in your browser.
Every path, side by side
Your personalized plan next to the alternatives — including plain old traditional retirement, which is a perfectly good answer. The named FIRE paths (Coast FI, Barista, Lean, Fat) are available as comparison scenarios, not prerequisites.
| Path | Work-change age | Income needed | Full-FI age | Safety margin |
|---|---|---|---|---|
| Current path | 65 | $0 | 65 | Strong |
| Personalized plan | 49 | $2,600/mo | 59 | Moderate |
| Full FI, earliest | 57 | $0 | 57 | Moderate |
| Traditional retirement | 67 | $0 | 67 | Very strong |
Example — your table is built from your numbers.
Private by architecture
The financial data you enter is calculated and stored in this browser — no account, no server-side copy of your plan. Share links carry the plan in a URL fragment that never reaches our servers, and a one-click control deletes everything WorthCurve stores.
How privacy works →Published methodology, editable assumptions
A month-by-month simulation with documented methods and one shared set of assumptions across every tool. Future returns and inflation are uncertain, so every chart shows a conservative-to-optimistic range rather than treating one projection as certain.
How the math works →Understand the ideas behind the numbers
Build your WorthCurve
Three questions, a short money sketch, and a plan you can interrogate.
Build my plan →