Affluent is a web app that helps you crunch the numbers on your finances. It’s got a cost-of-living (COL) calculator, cost fire calculator, and a monte-carlo drawdown simulator.
No data is transmitted - everything runs locally in your browser. It’s just a calculator, will never have ads, no strings attached.
- Tax Adjustments: Automatically adjusts for federal, state, and city taxes based on your selected location.
- Expense Adjustments: Incorporates COL adjustments for housing, transportation, etc.
- City Comparisons: Compare the cost of living in different cities to make informed relocation or budgeting decisions.
- Safe Withdrawal Rate: Run simulations to calculate your SWR based on portfolio breakdown by mean and standard deviation.
- Customizable Inputs: Adjust variables like portfolio size, expected returns, inflation rates, and withdrawal periods.
- Probability Analysis: View success probabilities of your financial plan with detailed visualizations.
- Minimal Effort Path: Determine if you can "coast" on your current savings without additional contributions.
- Growth Projections: See how long you need to contribute / invest until you can coast.
- Social Security Integration: Factor in estimated Social Security benefits so you don't over-save!