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Trinity Study Retirement Planner
Find out when you reach financial independence, using the Trinity Study and 75 years of market history. Includes a scenario heatmap, variance analysis, and 7 charts.
Monte Carlo Retirement Simulator
10,000 simulations of different market scenarios to calculate your real probability of success. Visualize result distribution, percentiles, and success rate adjusted for volatility.
International Retirement Simulator
Plan to retire in another country with geographic arbitrage. Compare 20+ destinations considering real cost of living, taxes, visa requirements, and healthcare quality. See where your capital goes 2-3x further.
Coast FIRE Calculator
Calculate how much capital you need today to be able to work part-time (or a lower-paid job you love) and still reach your retirement goal. That is your number for partial freedom.
Debt Payoff Calculator
Have multiple debts? Compare avalanche (highest interest first) vs snowball (lowest balance first). See how much interest each costs and when you are debt-free.
Mortgage & Purchase Simulator
Compare buying vs renting with real numbers. Analyze different rates (fixed vs variable), terms (10-30 years), and prepayments. Calculate total real cost including alternative investment opportunity.
Multi-Scenario Comparator
Save unlimited simulations and compare them side by side (up to 10 at once). Visualize differences in time, required capital, and returns. Decide with all your scenarios in front of you.
Upload photos of receipts, bank statements, or invoices. AI automatically categorizes your expenses, identifies spending patterns, and highlights areas where you spend above average compared to similar households.
Unlimited Simulation History
Save every simulation you make, organize them by goals (retirement, house, education), and access your complete history to see your evolution over time.
Export a simulation as a PDF with every chart, table, and assumption. Share it with your partner or advisor, or keep it for your own records.
Every month I distill academic papers, books, and expert talks into formats you can act on: 10-minute videos, infographics, gym audio, and 2-page summaries. Saves 20+ hours of reading a month.
Emergency Fund Calculator
Determine your ideal financial cushion based on your fixed expenses, employment type, dependents, and risk tolerance. Includes construction timeline and strategies for where to keep the fund.
Not sure where to begin?
Start with the free retirement plannerPricing
Everything I have built is free while I test the idea. If Frugalist helps you, you can support it. That is it.
Free while I test the idea
Planned after the beta: $20/month or $60/year
No paywall, no card, no limits. I want to know if Frugalist helps people before I charge anyone for anything.
Coming soon
or $60/year · nothing is charged today
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