Refined FI Tools
Most retirement advice ends at the advice. These end with an answer.
Every tool here takes one decision you are actually facing and gives you a number you can act on. Free to run, no membership required.
Is my 401(k) in the right funds?
401(k) Allocation Calculator
Your plan menu offers a dozen funds and pays you nothing for picking wrong. Set your mix and see what it costs you, answered in years and months of extra work.
Would my portfolio have survived 1973?
Portfolio Stress Test
Retiring into a good decade is luck. Run your portfolio through the Depression, the 1970s, the dot-com bust, and 2008, and find out which one breaks it.
Beyond the calculators
A calculator answers one question. A plan answers them all.
These tools show you where you stand today. Gold+ members get the stage-matched Refined FI portfolio, the retirement number and income calculators, and daily market-risk monitoring that emails a specific action when conditions change.
See what members get