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The Financial Life Event Modeler

Model the decisions
that shape your life.

Not a calculator. A thinking environment. Worthune models the financial consequences of life's real decisions — before you make them.

FIRE Number

Median for age 35, 7% return

$0

Rent vs. Buy Break-Even

National average, 2024

0 yrs

Student Loan Interest Saved

Avalanche vs. minimum, $68k balance

$0

Financial Adventures & Misadventures

Follow a story. See yourself in the numbers.

Real financial decisions, modeled in real time. Follow a persona through their life events — and run the same scenarios for your own situation.

All personas →

Debt-Burdened Debbie

Age 29

1,247 following

Chapter 3: The Avalanche Decision

"Debbie just got a $4,200 tax refund. Pay down debt or start investing? The math might surprise you."

🎓 Student Loan Payoff❄️ Debt Avalanche vs. Snowball

Follow the story →

Building Wealth

RSU Andy

Age 34

2,891 following

Chapter 5: The Concentration Problem

"Andy's company stock is up 40% since vesting. Hold for LTCG or diversify now? The tax math is brutal either way."

📈 RSU Diversification🔥 Early Retirement / FIRE

Follow the story →

Family & Lifestyle

Single-Income Sarah

Age 31

3,104 following

Chapter 2: The Childcare Equation

"Sarah's childcare costs $2,800/month. Her take-home is $5,400. Something has to give — but what?"

🏠 One Income / Stay-at-Home👶 Having a Child

Follow the story →

Building Wealth

Sabbatical Sam

Age 38

1,876 following

Chapter 4: The Recovery Timeline

"Sam has 14 months of runway. The sabbatical pushes FIRE back 2.3 years. Is the trade-off worth it?"

🌿 Sabbatical / Career Break🔥 Early Retirement / FIRE

Follow the story →

Scenario Explorer

Find your scenario.

Browse by life stage, event type, or search for your situation.

⌕

Student Loan Payoff

Should I aggressively pay down loans or invest?

Model the trade-off between aggressive loan payoff and investing, accounting for interest rates, expected returns, and tax deductions.

DebtExplore →

Intermediate8 min

Rent vs. Buy

Is buying actually better than renting?

Compare the true cost of renting versus buying over your time horizon, including opportunity cost of the down payment.

Real EstateExplore →

Emergency Fund Builder

How fast can I build 6 months of runway?

Calculate how long it takes to reach your emergency fund goal and what happens to your financial resilience as you build it.

WealthExplore →

RSU Diversification

Should I hold or sell my company stock?

Model the tax impact and diversification benefit of selling RSUs at vesting versus holding for long-term capital gains.

Job Change / Salary Jump

How does a raise change my long-term picture?

Model the compounding impact of a salary increase on your FIRE timeline, savings rate, and lifetime wealth accumulation.

CareerExplore →

Intermediate7 min

Sabbatical / Career Break

Can I afford 6 months off? What's the recovery timeline?

Model the financial impact of a career break — savings depletion, recovery timeline, and long-term FIRE impact.

CareerExplore →

Intermediate8 min

Having a Child

What's the first-year cost, and how does it affect retirement?

Model the true first-year cost of having a child and the long-term impact on your savings rate and retirement timeline.

FamilyExplore →

Intermediate7 min

One Income / Stay-at-Home

Can we afford to lose a salary?

Model the financial impact of transitioning to a single income — runway, budget adjustments, and long-term retirement impact.

FamilyExplore →

Down Payment Planner

How long until I can afford a home?

Model your savings trajectory toward a down payment, factoring in investment returns and PMI thresholds.

Real EstateExplore →

Intermediate8 min

Windfall Allocation

I just got a lump sum — now what?

Optimize how to allocate an inheritance, bonus, or settlement across debt payoff, emergency fund, and investments.

WealthExplore →

Intermediate10 min

Early Retirement / FIRE

When can I stop working?

Calculate your FIRE number and retirement age based on your savings rate, expected returns, and withdrawal strategy.

WealthExplore →

Intermediate7 min

Roth vs. Traditional 401(k)

Pay taxes now or later?

Determine which retirement account type wins based on your current and expected future tax rates.

Intermediate8 min

Relocation Cost Planner

Is moving to a new city actually worth it?

Compare the true cost of relocating — moving expenses, cost-of-living delta, salary adjustment, and break-even timeline.

CareerExplore →

Wedding Budget Planner

What does a wedding really cost your financial future?

Model the opportunity cost of wedding spending against your savings goals, debt payoff, and long-term wealth trajectory.

FamilyExplore →

Second Home Affordability

Can I actually afford a vacation home?

Analyze the true cost of a second property: carrying costs, rental income offset, opportunity cost, and net wealth impact.

Real EstateExplore →

Home Renovation ROI

Which renovations actually add value?

Calculate the return on investment for home renovations, comparing cost vs. resale value increase and break-even timeline.

Real EstateExplore →

Intermediate8 min

Side Business / Freelance Income

How much does a side hustle actually change my trajectory?

Model the financial impact of freelance or side business income on your FIRE timeline, tax burden, and retirement wealth.

CareerExplore →

Mega Backdoor Roth

How much extra can I shelter in a Roth account?

Calculate how much additional after-tax wealth you can build using the mega backdoor Roth strategy versus standard 401(k) contributions.

Intermediate7 min

529 College Savings

How much do I need to save for college?

Project college costs with inflation, model monthly savings needed, and compare 529 vs. taxable account growth over your time horizon.

FamilyExplore →

Intermediate6 min

Private School vs. Public

What does private school really cost your retirement?

Model the true opportunity cost of private school tuition over K-12 or college years versus investing the same amount.

FamilyExplore →

Intermediate8 min

Social Security Timing

Should I claim at 62, 67, or 70?

Calculate the break-even age and lifetime benefit for claiming Social Security at different ages, factoring in longevity and investment alternatives.

RetirementExplore →

Long-Term Care Cost

What does aging really cost — and can I afford it?

Model the projected cost of long-term care, the impact on retirement assets, and the break-even analysis for LTC insurance.

RetirementExplore →

Debt Avalanche vs. Snowball

Which payoff strategy saves me more?

Compare the avalanche (highest rate first) and snowball (smallest balance first) strategies across your debt portfolio.

DebtExplore →

Mortgage Refinance

Does refinancing actually make sense?

Calculate your break-even point and net savings from refinancing, accounting for closing costs and your time horizon.

Real EstateExplore →

Intermediate8 min

Eldercare Cost Planner

What's the financial impact of supporting aging parents?

Model the cost of supporting aging parents — from in-home care to assisted living — and understand the impact on your own retirement timeline.

FamilyExplore →

Divorce & Asset Split

How do we split assets fairly and reset financially?

Model asset division, QDRO retirement splits, housing decisions, and the long-term financial reset after divorce.

FamilyExplore →

Estate Planning

What's the tax impact on my heirs?

Estimate estate tax exposure, model beneficiary outcomes under different asset structures, and understand the impact of gifting strategies.

RetirementExplore →

Why Worthune is Different

Not a calculator. A co-pilot.

🎲

Monte Carlo Honesty

We show you a range of outcomes — optimistic, base, and pessimistic — not a single false-precision number. Because the future isn't a straight line.

🔗

Connected Decisions

Your FIRE date changes when you have a child. Your refinance decision changes when you're planning a sabbatical. Worthune models the connections.

📖

Serialized Stories

Follow real personas through their financial lives. See how Debbie's debt payoff decision plays out over 8 chapters. Then run the same scenario for yourself.

Finsights

Understand the math behind the decision

All articles →

The Real Math Behind the 4% Rule

Historical success rate

Why Debt Avalanche Beats Snowball — Except When It Doesn't

$1,200–$3,400

Average interest saved

Monte Carlo vs. Straight-Line: Why Your Retirement Number Is a Range

Outcome spread at age 85

The True Cost of a Career Gap: Sabbaticals, Layoffs, and the Compounding You Miss

True lifetime cost of a 1-year gap

Your next decision is worth modeling.

Start with any scenario. No sign-up required. Save your work when you're ready.