Source: https://wealthfolio.app/features/retirement-fire-planner/

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Planning

# Retirement & FIRE Planner

Simulate your portfolio year by year, and stress-test the plan.

A first-class retirement goal that simulates your portfolio year by year through accumulation, withdrawal, taxes, and inflation. Choose Traditional or FIRE, configure expenses and income streams, and stress-test with a Monte Carlo Risk Lab.

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![Retirement projection across accumulation and withdrawal phases](https://assets.wealthfolio.app/images/screenshots/retirement/projection.png) ![Retirement projection across accumulation and withdrawal phases](https://assets.wealthfolio.app/images/screenshots/retirement/projection-dark.png)

Retirement projection across accumulation and withdrawal phases

### Traditional or FIRE

Plan a retirement age or solve for the earliest age you reach FI.

### Risk Lab

Monte Carlo, sensitivity heatmaps, and SORR stress tests.

## Traditional or FIRE

Plan toward a target retirement age, or solve for the earliest age you reach financial independence. Configure expenses, income streams, taxes, and inflation to match your life.

### FIRE mode

Solve for the earliest age you reach FI.

### Year-by-year

Accumulation, withdrawal, taxes, and inflation modeled.

![Plan configuration with expenses and income streams](https://assets.wealthfolio.app/images/screenshots/retirement/config.png) ![Plan configuration with expenses and income streams](https://assets.wealthfolio.app/images/screenshots/retirement/config-dark.png)

Plan configuration with expenses and income streams

## Risk Lab

Stress-test your plan with Monte Carlo simulation (5,000 paths by default) plus sensitivity sweeps and sequence-of-returns risk analysis, so you understand the range of outcomes, not just the average.

### Monte Carlo

Thousands of paths to gauge probability of success.

### Sensitivity & SORR

Heatmaps and sequence-of-returns stress tests.

![Monte Carlo outcome fan with success probability](https://assets.wealthfolio.app/images/screenshots/retirement/risklab.png) ![Monte Carlo outcome fan with success probability](https://assets.wealthfolio.app/images/screenshots/retirement/risklab-dark.png)

Monte Carlo outcome fan with success probability

## Related features

### [Goals & Save-Up Planner](https://wealthfolio.app/features/goals-saveup-planner/)

Set a target, link the accounts that fund it, and see when you’ll arrive.

Learn more

### [Contribution Rooms & Limit Tracking](https://wealthfolio.app/features/contribution-limits/)

Stay inside the lines on every tax-advantaged account.

Learn more

### [Performance Dashboard](https://wealthfolio.app/features/performance-dashboard/)

Accurate, scope-aware returns for accounts, portfolios, and benchmarks.

Learn more

## Ready to try it?

Wealthfolio is open source and local-first. Your data stays on your device.

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