Control Panel
Configure your financial simulation parameters.
Income & Taxes
Define your primary earning sources and tax situation.
Primary Income
If checked, 401k rates apply to bonus.
Taxes
Rough estimate of Federal + State + FICA.
Additional Income Streams
No additional income sources.
Total Annual Compensation
$0
Monthly Compensation
$0
Work Retirement (401k)
Configure your employer-sponsored plan contributions.
Employee Contributions
$0/yr
$0/yr
$23,500 remaining to reach employee limit.
Edit IRS limits
Employer Match
e.g. 100% or 50%
e.g. up to 6%
Estimated Match: $0/yr
After-tax 401k & Mega-backdoor Roth
Contributions beyond the $23,500 employee limit.
$0/yr
💡 Spillover is automatic when your elections exceed $23,500. This "extra" rate is for contributing even more after-tax beyond that spillover.
Increase your contribution rates above the employee limit, or set an additional after-tax rate.
Personal Retirement
IRAs and other individual accounts.
Roth IRA
2025 Limit: $7,000 ($8,000 if 50+)
Traditional IRA
Shared limit with Roth IRA.
HSA & Education
Health Savings Accounts and 529 plans.
Health Savings Account (HSA)
529 Education Plans
Taxable Savings
Configure contributions to taxable brokerage accounts.
Taxable Brokerage
% of net income
Optional override
Residual Cash
What remains after all contributions and expenses (annual).
Expenses
Monthly spending breakdown.
Housing
Other Monthly Expenses
No other expenses added.
Net Monthly Income
$0
Total Monthly Expenses
$0
Annual Run-rate
$0
Assets & Liabilities
Your net worth snapshot.
Assets
No accounts added.
Liabilities
No liabilities added.
Net Worth
$0
Growth & FIRE Goals
Assumptions for the future.
Market Assumptions
Expected stock market return before inflation (e.g., S&P 500 historical avg is ~10%).
Expected annual decrease in purchasing power (Fed target is 2%).
Estimated annual tax cost on brokerage growth (dividends/rebalancing). Usually 0.3-0.6%.
Effective tax rate on pre-tax 401k/IRA withdrawals in retirement (typically 15-22%).
Career Growth
Expected annual base salary increase (inflation adjustment + merit).
Annual bonus growth rate (defaults to salary growth if not set).
No promotions defined.
FIRE Targets
Add expenses above to auto-calculate.
FIRE Number: $0