Career breaks & financial independence
Can you afford
time away from work?
Check the cost of a career break or compare retirement dates. See what is funded, where a gap appears, and how tougher conditions change the result.
Free educational tools. Your financial entries are not sent to us. See how the calculations work.
Go straight to a calculator
What are you planning?
Not ready for these? Start with your monthly budget.
The toolkit
Choose the question.
Check the numbers.
Start with the first two for time away from work. Use the others for a detailed projection, wealth context, or learning about financial ratios.
Time off, planned
Career Break Planner
Test a break from work without dipping into the reserve you want to protect.
- Four starting numbers
- Delayed salary & higher-cost checks
Retirement timing
Retirement Timing Lab
See how working 1, 3, or 5 more years changes a retirement scenario.
- Four dates, the same assumptions
- Market-fall & inflation checks
Retirement planning
FIRE Planner
Build a more detailed financial independence and retirement scenario with future income, one-off costs, and adjustable spending.
Open FIRE PlannerWealth percentile
Personal Wealth Rank
Compare net worth with country-level wealth bands. Dated estimates and modelled thresholds provide context—not an exact personal rank.
Check your wealth rankIndian equities
Stock Screen Builder
Build illustrative formulas for comparing reported financial ratios. No company ratings or stock recommendations.
Build a stock screenA worked example · not a forecast
Retire at 50 or 53?
The market path matters.
For this fictional 45-year-old, working three more years improves the model results. An early market fall still leaves many paths short of funding the full retirement.
See the inputs & full calculation| Retire at | Base model | Early fall |
|---|---|---|
| 50 | 66% | 28% |
| 53 | 79% | 47% |
2,000 paths per scenario; rounded percentages. These are model results, not your probability of success. Assumptions are shown in the example.