Life is too unpredictable for false precision.
The financial decision
you're weighing,
modeled with your numbers —
no account connections, no spreadsheets.
Sabbatical or stay? Rent or buy? Retire at 55 or keep going? We'll show you the range, the trade-offs, and which decision actually moves the needle.
Already have a plan? Sign in to reopen it.
Move the sliders. See your numbers.
This is the real engine. Adjust anything — we'll carry it over when you continue.
Directionally on track for your target retirement age.
- Retirement savings target
- $1,950,000
- Projected retirement age
- 64–67 (5–9% return range)
Social Security, emergency fund and college savings come in on the next screen.
Most tools ask for everything.
Then give you one number.
No account connections. No spreadsheets.
Other tools ask you to connect every account, import every transaction, and hand over your financial life — then render a verdict. We ask for a few ballpark numbers. The direction is what matters, not the last decimal place.
A range, not a false certainty
Nobody will retire with exactly $784,354.90. We show you a credible range — optimistic, base, and pessimistic — because understanding the spread is how you make a decision that holds up across different futures.
The decisions that actually connect
A sabbatical affects your FIRE date. A home purchase affects your savings rate. A job change affects everything. Worthune models the trade-offs across your whole financial life, not just one question at a time.
Real people. Real trade-offs. Real numbers.
Follow a persona through their financial life — the decisions they face, the paths they consider, and the numbers behind each choice. Then run the same model with your own inputs.
Go deep on one decision.
Interactive models for the decisions that actually matter. Adjust the inputs to match your situation — the numbers move in real time, and the assumptions are always visible.
A structured way to explore complex decisions.
A few ballpark numbers is all it takes. The models are built around your situation, not a generic template — and the assumptions are always visible, always editable.
Start with a decision
Choose a scenario that matches the financial choice you're weighing — from rent vs. buy to early retirement to a career break.
See a scenario like yours
Every input is visible and editable. Change your income, timeline, or rate of return and watch the range of outcomes shift in real time.
Compare paths over time
See how different choices compound across years — not just today's snapshot. Understand the trade-offs before you commit.
We show our work.
The math behind every model — explained in plain language. Not a blog. A transparency layer so you can engage with the numbers, not just trust them.