Are you ready to be Financially Independent and Retire Early? Let's find out.

A tool for now-, near-, and forecasting an American household's financial health and retirement readiness.

Three horizons, one engine

• Nowcast — what you hold today, at tax-lot granularity, and what you would actually keep after converting it to cash.
• Nearcast — deterministic near-term dynamics: vesting, known bonuses, income with an end date, one-off cash flows.
• Forecast — a Monte Carlo projection of net worth, and the earliest age at which retiring still works.

Federal and Washington state tax are modeled directly, per lot and per year, so the answer accounts for what the sale actually costs you. Every tax parameter carries its authority, source and retrieval date, and a projected value says so in every number computed from it.

What it deliberately does not model

Social Security, AMT and ISO exercise, stochastic liquidity events, wash sales and estate tax are all out of scope today. An unmodeled quantity reports that it is unmodeled — it never quietly reports zero.