The earliest age where working no longer moves the needle
You can stop working at age
—
Show values as
▸ Your decisions
12 of 12
At retirement
▸ Current situation
4%
▸ Assumptions
10%
6%
2%
Portfolio Trajectories
Solid = optimal · Dashed = alternatives · Pink = DWZ spend to hit zero
Die-With-Zero Budget
Max monthly spend to land at exactly zero.
Sensitivity
How retirement age shifts with assumptions.
Coast FIRE
When savings become irrelevant — compounding alone reaches the number
Savings Impact Table
What happens to retirement age as you skip more months of saving — from full saving to zero
Crash Stress Test
Drop a market crash and see if the plan survives
-40%
The Waste Gap
Wealth peaks when your capacity to enjoy it declines. The red area is life left on the table.
Year-by-Year at Optimal Retirement Age
Age
Year
Event
Portfolio
Income
Burn
Growth
End
Model: Two return rates — accumulation (equities, untouched) and drawdown (conservative blend).
Coast FIRE = earliest age where zero further savings still reaches retirement via compounding. Crash = instant
portfolio hit, then normal returns from reduced base.
Not modelled: ISK tax (~1%/yr — reduce accumulation by ~1%), capital gains on equity sale,
sequence-of-returns beyond crash test, healthcare.