A financial planning tool to help you visualize your net worth trajectory and optimize your retirement timing based on the "Die With Zero" philosophy.
- Interactive Projections: Model your financial future with customizable income, expenses, tax rates, and asset allocations
- Die With Zero Analysis: Calculate the optimal retirement year to maximize life enjoyment while reaching zero net worth at the end
- Asset Tracking: Support for both liquid (ETFs, crypto) and non-liquid (real estate) assets with individual return rates
- Milestone Tracking: Set net worth goals and see when you'll reach them
- Dynamic Tax Rates: Model changing tax situations over time (e.g., retirement, moving countries)
- Save/Load Scenarios: Export and import different financial scenarios for comparison
Visit the live demo: blog.kianenigma.com/die-with-zero/
Open web/index.html in your browser - no installation required. The tool runs entirely client-side.
- Go to your repository Settings → Pages
- Under "Build and deployment", select "GitHub Actions" as the source
- Push any commit to trigger the deployment
- Your site will be available at
https://[username].github.io/[repository-name]/
The planner calculates year-by-year projections of your net worth based on:
- Income (with growth rate)
- Expenses (with inflation)
- Tax rates (can change by year)
- Asset appreciation rates
- Additional one-time or recurring expenses
When savings are positive, they're distributed proportionally across liquid assets. When negative (expenses exceed income), liquid assets are sold proportionally to cover the shortfall.