Exityear Lite is a free retirement and FIRE projection calculator that runs entirely in your browser. Nothing you type is sent anywhere. There is no account and no tracking. It is a stripped-down but still real version of a fuller product I built called Exityear, which I have since sunset. I kept the engine alive here so people can use it for free.

It's free and will stay free: no paywalls, no logins, no accounts, and no tracking. Everything computes locally in your browser. If it saved you from building the spreadsheet yourself and you feel like saying thanks, you can buy me a coffee. No pressure either way.

I wanted an honest picture of my own retirement math, and I could not find one.

Most free FIRE calculators do the same thin thing. You enter a starting balance, a yearly contribution, and one rate of return. It runs one compound-interest formula and hands you a single reassuring number. No debt. No taxes. No sense of whether the money actually lasts. I did not trust the answer, and I did not trust that I should.

So I built the version I wanted. It simulates your finances month by month, models your debts, and tells you if and roughly when you run out of money. I turned it into a small paid product, ran it for a while, then concluded the FIRE calculator market was too crowded to defend as a business. I shut down the paid side. This Lite version stays online, free, as a working showcase of the engine underneath.

I'm Rion Angeles. By day I'm a Senior Technical Program Manager at Salesforce, in the Office of the Chief Architect and Platform. I've spent 10+ years turning ambiguity into shipped programs, at Google[x], Localytics, Recurly, and Cobalt Robotics.

I also build and ship my own SaaS products on the side, which means I make the build, buy, and kill calls myself instead of just tracking them. Exityear was one of those: a solo-built micro-SaaS with an ~8,000-line client-side TypeScript engine and Stripe billing. Deciding to sunset it was one of those calls. You can find me on LinkedIn.

Three things guide how this tool works.

Privacy first. Everything runs in your browser. Your numbers never leave your device, there is no sign-up, and nothing is logged. Close the tab and it's gone unless you export it yourself.

No nudging. This is an instrument, not a funnel. It does not push you toward a product, a decision, or a feeling. It shows its work and lets you draw your own conclusions.

Honest about what it is. This is an estimate, not financial advice. It's a projection based on the assumptions you give it. Good assumptions in, useful picture out. Bad assumptions in, and it will confidently draw you a wrong one.

A basic calculator runs one formula: a starting balance, a flat yearly contribution, and a single rate, compounded to a number. That is fine for a rough gut check and wrong for almost everything else. Here is what this does instead.

• Simulates month by month all the way to your life expectancy, instead of collapsing everything into one lump formula.
• Models real debt. Mortgages, auto loans, student loans, and credit cards amortize and pay down properly, and they get subtracted from your net worth.
• Grows your income over time for raises and promotions, and lets income streams start and stop at ages you choose.
• Handles one-time and recurring life events: a home purchase, an inheritance, tuition, a wedding.
• Treats retirement spending as different from spending now, with optional geographic arbitrage. Retire somewhere cheaper and your living costs scale by that city’s cost of living.
• Lets you decide what happens to leftover income each month: save it, invest it, pay down debt, or spend it.
• Separates real returns from nominal ones by adjusting the default return for inflation, and offers a flat tax rate so you can see an after-tax picture.
• Detects shortfalls. If you run out of money, it tells you, and roughly when.

They ignore your debt entirely. They assume you contribute the same flat amount forever. They skip taxes and treat inflation loosely or not at all. They cannot model a move to a cheaper city or a windfall that changes everything. Worst of all, they give you one comfortable number and no idea whether it actually holds up over a real life with real events in it.

This is an illustrative estimate, not financial advice. The main chart runs your assumptions forward in a baseline projection. While the integrated Monte Carlo panel models market volatility and sequence of returns risk, real life includes factors no model can foresee. Use it to understand the shape of your plan and to pressure-test your assumptions, not as the final word on your money.