Financial planning tools
Six calculators, picked by complexity and goal. Use the simplest tool that answers your question — most people start with Basic FIRE or the Simplified Bitcoin calculator and graduate to the Intermediate or Advanced sheet only when their balance sheet justifies it.
Bitcoin retirement
Bucket A · Simplified
Bitcoin Retirement — Simplified
3 inputs. BTC price × stack target. Best for first-time planners.
Bucket B · Full
Bitcoin Future Wealth Calculator
DCA + lump-sum + halving cycle modeling, real-return scenarios.
FIRE (Financial Independence, Retire Early)
Bucket C · Basic
FIRE Basic — 5 assets
Cash, equities, bonds, BTC, primary residence.
Most Common
Bucket D · Intermediate
FIRE Intermediate — 12 assets
Adds 401(k), IRA, HSA, I-Bonds, REITs, gold, other crypto.
Bucket E · Advanced
FIRE Advanced — 35 assets
Full coverage: 401k, Roth, SEP, 529, pension, annuity, private RE, Trump 401(k) Beta.
Tax-aware modeling
Not sure which one?
Start with Bitcoin Simplified if you just want to see what a BTC stack target looks like. Start with FIRE Basic if you have a traditional portfolio plus some BTC. Move up to Intermediate when you have retirement accounts to model, and Advanced if you have a complex balance sheet or are modeling state-specific tax structures. The Tax-Aware page is the right entry point if state tax is the dominant variable.