Traditional retirement planning often assumes a constant, inflation-adjusted spending level throughout your golden years. However, real-world data suggests a "U-shaped" spending pattern: higher in your active "Go-Go" years, lower in your "Slow-Go" years, and potentially higher again in "No-Go" years due to increased healthcare needs.
This tool helps you model your true spending trajectory, revealing hidden spending power and providing a more realistic and optimistic view of your retirement finances.
Click a preset to auto-fill typical spending patterns. This often reduces your required FIRE number!