How it works Dashboard Features Log in Get your date
Private Financial Dashboard

Find your financial independence date.

A transparent FI date based on the assumptions you choose. Adjust your inputs, compare scenarios, and see how each choice shapes your path.

Get your date

Create a private dashboard in ~2 minutes. No advisor access required.
Private by design—your inputs aren’t shared with an advisor or broker.

How it works

Three inputs.
One clear plan.

01

Set your starting point.

Enter the assets you can invest, your annual spending, and the amount you save. Every input stays visible.

02

Choose your assumptions.

Adjust returns and withdrawal rate, then compare the paths they create without hiding the math.

03

See your next move.

Get your FI date, the number behind it, and a plan you can revisit as your life and portfolio change.

Live Calculator

Enter your details.
Receive your date.

Adjust assumptions and compare scenarios. The model recalculates instantly, with every input and result visible.

Illustrative only—not financial advice. This model assumes constant nominal returns and reflects the inputs you choose.

Your number $2,400,000
Your date JAN 2039
Time to FI 12y 8m
Progress to number 20.1%
$482k today $2.40M target
Projection Based on your assumptions
Get your date

Built for the whole plan

Go beyond
your FI date.

Track the trend, test the choices in front of you, and see how your retirement income could work over time.

Scenario planner

Test the choices in front of you.

Compare a baseline with the decisions you are considering—from saving more to retiring sooner—without losing sight of your original plan.

Net worth history

See your progress take shape.

Log account snapshots and follow the assets, liabilities, and long-term trend behind your number.

Withdrawal runway

Model retirement beyond day one.

See projected withdrawals, portfolio value, and retirement cash flow over time—not just the date you first reach financial independence.

Government benefits

Include the full retirement picture.

Bring Beacon's country estimate for government retirement benefits into your FI calculation and retirement cash-flow view.

Retire by…

Turn a target date into a saving plan.

Choose the age or date that matters to you, then see the monthly saving it could take to get there.

Get your date

Illustrative planning tools only. Government-benefit estimates are not financial advice or a guarantee of future benefits.

FAQ

Clear answers before you model your date.

Does Beacon connect to banks?

No. Beacon does not connect to banks, brokerages, or financial institutions. You enter financial information manually. Learn more about Beacon as a private net worth tracker with no bank sync.

Is Beacon financial advice?

No. Beacon is a deterministic modeling and record-keeping tool. It is not financial, investment, tax, legal, or retirement planning advice.

Who is Beacon for?

Beacon is for people who want to manually track investable assets, test financial independence assumptions, and understand how savings, spending, returns, and withdrawal rate affect a projected FI date.

How is an FI date calculated?

Beacon calculates an FI target by dividing annual spending by the withdrawal rate, then projects current investable assets plus ongoing savings at the expected return until that target is reached.

What are investable assets?

Investable assets are assets that can realistically support future spending, such as cash, taxable investments, retirement accounts, and other liquid or income-producing investments.

Replace uncertainty
with a date.

Get your date

Create a private dashboard in ~2 minutes. No advisor access required.
Private by design—your inputs aren’t shared with an advisor or broker.