Disclaimer

Educational content only — not financial, tax, or legal advice. Projections are estimates based on the numbers you enter and assumptions you can change.

What this tool does

It runs standard financial-independence math on figures you provide and turns the result into plain-language suggestions. It doesn't know your full situation, your risk tolerance, your family, or your state's tax rules.

Projections are not promises

Every projection assumes a steady real return and steady contributions. Real markets don't behave that way — returns arrive unevenly, inflation moves, and the order of good and bad years matters. Treat your date as a well-informed estimate that shifts as your life does, and revisit it whenever your numbers change.

Tax figures change

Contribution limits, income phase-outs, and account rules are updated periodically and can change mid-year. Confirm anything tax-related with a CPA before acting on it — particularly Roth conversions, the pro-rata rule, and early-withdrawal strategies.

No advisory relationship

Remi is not a licensed financial advisor, and using this tool or reading the guidance doesn't create an advisory, fiduciary, or client relationship. For advice specific to you, talk to a fee-only fiduciary advisor or a CPA.

See also how we calculate your number for the exact formulas and assumptions behind every figure you see.