A real engine, not a formula
Most financial independence calculators are simple: an annual addition of savings to assets compounded by growth.
MoneyOnFIRE is different. Our calculator uses our full engine behind the scenes. Our engine runs a full simulation, month by month, for your entire plan. Every paycheck, expense, investment, and withdrawal is modeled in detail. We apply real tax rules, account restrictions, and simulate market returns. This gives you a much more realistic and personalized projection.
It appears to happen in under a second because we run our engine on beefy cloud based servers and have heavily optimized the code.
Feature Comparison
| Feature | MoneyOnFIRE | Other Calculators |
|---|---|---|
Define Multiple Goals Retirement, College, Travel | ||
Full Simulation Dollar by Dollar, Month by Month | ||
Federal Tax Estimate Income, Capital gains | ||
State Tax Estimate | ||
Account Types Checking, 529, IRA, 401k, Taxable, etc | ||
Account Rules Contribution Limits, income thresholds, ages | ||
Retirement Contributions Contributions Reduce Taxable Income | ||
Inflation Expenses, Tax bands, etc | ||
FI Number Inflation Adjusted for Future Expenses | ||
FI Handling of Housing Own or Rent, FIRE handling of Mortgages | ||
Accurate SWR 4% includes taxes |
In short: MoneyOnFIRE gives you full simulation, not a maths shortcut. We believe this is both more accurate and more actionable.
See the difference for yourself
Run your numbers through our full simulation engine and get a plan that actually reflects your life.
Build My Plan