WealthBuilder: FIRE Calculator

Find the day you can retire — and the paycheck you'll pay yourself when you get there. One price, forever. No subscription, no ads, no bank linking. Your numbers stay yours. Monte Carlo plus real S&P history (1928–2025), Roth conversion planning, Solo 401(k) math, and four drawdown strategies — in one plan. WHAT'S INSIDE • Net worth dashboard — assets, debts, and your complete financial picture • Your FI number — how much you actually need for work to become optional • Retirement paycheck — compare four drawdown orders side by side: taxable-first, deferred-first, pro-rata, and bracket-fill • Roth conversion planner — model bracket-fill conversions before year-end • Solo 401(k) engine — sole-prop vs S-corp contribution math plus a contribution ledger, using 2026 IRS limits (Rev. Proc. 2025-32) • Monte Carlo simulation + historical backtest against real S&P returns, 1928–2025 • What-if scenarios — job break, big purchase, lump sum, inheritance, loss of a spouse • Household modeling — spouse, children, and trusts, including survivor-trust planning • Military and railroad retirement modeling — rarely supported anywhere else PRIVATE BY DESIGN Every number in this app is one you typed yourself. There is no bank linking, no account aggregation, no ads, and no tracking. We can't see your accounts — because you never connect them. ONE PRICE, THE WHOLE RELATIONSHIP $9.99 once. No subscription. No in-app purchases. No feature gates. Serious planning tools typically cost $120–$550 every year; this one you buy once and own. WHO IT'S FOR • FIRE-minded savers who want drawdown and safe-withdrawal math, not a demo • Self-employed professionals working out Solo 401(k) contributions before Dec 31 • Near-retirees planning Roth conversions and drawdown order • Military and railroad families whose pensions other calculators ignore WealthBuilder is an educational calculator. It does not provide financial, investment, tax, or legal advice. Consult a qualified professional before making financial decisions. From the maker of Debt Snowball Planner.