Retirement & debt
Plan when you can stop working, how to claim benefits, and the fastest way out of debt.
Retirement planning is mostly about timing: how much you need, when to claim benefits and which account type to use. Debt payoff is about order and consistency. These tools make the trade-offs concrete instead of abstract.
Calculators
FireLine
Find the year you can stop working.Financial independence comes down to two numbers: what you spend and what your portfolio can safely support. This calculator ties them together so you can see how savings rate and withdrawal rate move your target date.
ClaimAge Desk
Claim Social Security at 62, 67 or 70?Claiming Social Security early or late changes the monthly amount for life. We compare claiming ages side by side and show the age at which waiting starts to pay off.
DebtFree Planner
Snowball vs avalanche debt payoff planner.Most payoff advice stops at "pay more than the minimum". This tool shows how the order you pick, snowball or avalanche, changes the month you finish and the interest you pay, so you can choose with numbers instead of guesses.
RAP Loan Desk
Student loans under the new Repayment Assistance Plan.Retirement account withdrawals have rules that depend on age and balance, and mistakes can be costly. This planner estimates required amounts so you can plan withdrawals ahead of the deadline.
Related guides
How to Build a Debt Payoff Plan in 5 Steps
DebtFree PlannerList every debt, pick a method, set a monthly budget and automate it. A simple five-step plan with a worked example.
Social Security Breakeven Age: How to Think About When to Claim
ClaimAge DeskClaiming earlier gives smaller checks for longer; claiming later gives bigger checks for fewer years. How the breakeven works.
The 4% Rule and Safe Withdrawal Rates, Explained
FireLineThe 4% rule is a rule of thumb, not a guarantee. What it assumes, where it can fail, and how to stress-test your own plan.
What Is Your FIRE Number? How to Calculate It
FireLineYour FIRE number is annual spending divided by your withdrawal rate. Here is the formula, an example and what changes it.
Who Benefits Most From an Income-Driven Repayment Plan?
RAP Loan DeskIncome-driven plans tie student loan payments to income. When they help, when they cost more, and what to compare.
Claim Social Security at 62 or Wait Until 70?
ClaimAge DeskOn a $2,400 full benefit, claiming at 62 pays $1,680 a month; waiting until 70 pays about $2,976.
RAP vs the 10-Year Standard Plan: Which Costs Less?
RAP Loan DeskA $45,000 balance at 6.5% costs about $511 a month on the standard plan. RAP can cut the starting payment sharply.
Debt Snowball vs Avalanche: Which Method Gets You Debt-Free Faster?
DebtFree PlannerA side-by-side example with four real-world debts shows how much each method costs, when each one makes sense, and how to pick yours.
How Long Until FIRE? Four Levers, Ranked by Impact
FireLineA worked example from $50,000 invested shows how saving more, spending less and return assumptions change your time to financial independence.
The 4% Rule vs 3%: What a Safer Withdrawal Rate Costs You
FireLineWith $40,000 of yearly spending, each withdrawal rate changes the portfolio you need and the years it takes to build it.
The Minimum Payment Trap: How Long a Credit Card Really Takes to Pay Off
DebtFree PlannerWhy minimum payments keep you in debt for years, a clear example with real numbers, and three ways to escape faster.