Try it with your numbers. No account needed.
See when work becomes optional.
Your Optional Date changes your relationship with work. Before it, see what you can change without putting your plan off course. After it, explore what work could look like when a paycheck is no longer the deciding factor: fewer hours, a different career, a sabbatical, or something entirely new.
10%
Funded · eligible portfolio
Years to Optional
OPTIONAL · OCT 2049
What if you did something different?
Assumes a 7% average real return (after inflation) and a 4% withdrawal rate, adjustable inside.
See the trade-offs. Make your own call.
You don’t have to wait until 65 to change how you work.
The real dashboard and scenarios lab.
What are you thinking about changing?
See how each choice changes your date.
$25k bonus into brokerage
12 mo sooner
Sell the rental (+$180k)
5.9 yr sooner
Downsize the house (+$120k)
4.3 yr sooner
Inheritance ($50k → brokerage)
23 mo sooner
Extra $500/mo forever
2.5 yr sooner
Capture a $300/mo 401(k) match
19 mo sooner
Refinance saves $200/mo
13 mo sooner
Cut $150/mo of subscriptions
10 mo sooner
Max the HSA (+$365/mo)
23 mo sooner
Side income $1k/mo
4.4 yr sooner
Employer stock sale ($40k)
18 mo sooner
$25k bonus into brokerage
12 mo sooner
Sell the rental (+$180k)
5.9 yr sooner
Downsize the house (+$120k)
4.3 yr sooner
Inheritance ($50k → brokerage)
23 mo sooner
Extra $500/mo forever
2.5 yr sooner
Capture a $300/mo 401(k) match
19 mo sooner
Refinance saves $200/mo
13 mo sooner
Cut $150/mo of subscriptions
10 mo sooner
Max the HSA (+$365/mo)
23 mo sooner
Side income $1k/mo
4.4 yr sooner
Employer stock sale ($40k)
18 mo sooner
1-year sabbatical starting now
7 mo later
Part-time 50% for 3 years
10 mo later
6-month layoff, cushion covers it
3 mo later
Career switch: year off, then −$300/mo
2.4 yr later
Move to a HCOL city (−$1k/mo saved)
8.3 yr later
Nonprofit job (−$800/mo saved)
6.1 yr later
New car ($400/mo for 5 years)
10 mo later
Grad school ($30k tuition)
15 mo later
Kid arrives (−$800/mo for 18 years)
4.8 yr later
Support parents (−$500/mo for 10 years)
23 mo later
Set aside a $50k health fund
2.2 yr later
A whole year off, five years from now
5 mo later
1-year sabbatical starting now
7 mo later
Part-time 50% for 3 years
10 mo later
6-month layoff, cushion covers it
3 mo later
Career switch: year off, then −$300/mo
2.4 yr later
Move to a HCOL city (−$1k/mo saved)
8.3 yr later
Nonprofit job (−$800/mo saved)
6.1 yr later
New car ($400/mo for 5 years)
10 mo later
Grad school ($30k tuition)
15 mo later
Kid arrives (−$800/mo for 18 years)
4.8 yr later
Support parents (−$500/mo for 10 years)
23 mo later
Set aside a $50k health fund
2.2 yr later
A whole year off, five years from now
5 mo later
Each figure is the change on the example plan above ($150k saved, $1,200 a month, $60k a year). Members run these with their own numbers in the Lab.
What you get, how your data stays yours
Keep your plan, test changes, and come back to it anytime
Included in your membership
- ✓Your own Optional Date, recalculated every visit
- ✓Your plan, saved, so you pick up where you left off
- ✓The full scenario library (sabbatical, layoff, part-time, sell the house, more)
- ✓Any number of lump sums: bonuses, sales, inheritances
- ✓Unlimited investment accounts
- ✓Life-after-Optional projections and drawdown modeling
- ✓Named saved scenarios you can re-run as your numbers change
- ✓A vote on the roadmap; every feature we ship while you’re a member is included
How your data stays yours
- No brokerage credentials, ever.
- No bank passwords, ever.
- Enter only the information you choose.
- Projections use what you tell us, nothing more.
Pricing
Choose a membership.
Prices in US dollars. Every plan renews automatically until you cancel. No sales tax is added at checkout today; if that ever changes, you’ll see it before you pay.
Founding member
$79/yr
Rate locked while subscribed
- ✓All of the features above
- ✓Founder badge on profile with your unique number (#001–#100)
- ✓$79/year, and the rate never increases as long as you're subscribed (cancel any time)
- ✓2× vote weight on the Roadmap
- ✓A direct line to the founder for questions and suggestions
First 100 members. Founding rate offer ends December 22, 2026.
Become a FounderAnnual
$99/yr
About $8.25/month. Cancel any time.Standard rate once Founding is full
- ✓All of the features above
Want to try it first?
Use any of the free calculators. No account or email required.