为你的退出准备的每一个计算器
同一引擎，多个聚焦工具。先从退出准备度开始，再深入那个让你失眠的具体问题。
核心决策工具
Exit Readiness
The flagship. Your minimum / recommended / safe escape fund, a 0–100 readiness score and your escape date.
Open → Live🪙Minimum Viable Escape
The leanest defensible number you could quit on — aggressive cuts, side income, shortest realistic buffer.
Open → Live⏳Runway calculator
How long your savings actually last at your destination, after healthcare, debt and any side income.
Open → Live⚕️Healthcare gap (COBRA vs ACA)
The cost most people forget. Compare COBRA, an ACA plan, a spouse's plan or none — by household and region.
Open → Live📝Severance calculator
Statutory minimums + typical negotiated packages, adapted by country (US, UK, EU, Canada, Australia) — plus the asks that matter.
Open →了解你的数字
Coast FIRE
The point where you can stop saving and let compounding carry you to retirement — so you can downshift now.
Open → Live☕Barista FIRE
How much part-time income bridges the gap so you can leave the full-time grind early.
Open → Live🔥Lean / Fat FIRE number
The 4% rule, both ways: the frugal floor and the comfortable ceiling (25× annual spend), plus years to FI.
Open → Live🖕F-You money
Not retirement — just enough freedom to walk. How many months of pure independence your stash buys.
Open → Live📈Savings rate → years to FI
The single most powerful lever. See how your savings rate sets your timeline.
Open → Live🧾W-2 → 1099 tax shock
Self-employment tax, lost employer benefits and quarterly estimates — the freelance surprise nobody warns you about.
Open → New📅When can I retire?
Your FIRE age, in plain numbers: enter savings, contributions and spending to see the year your money sets you free.
Open →让转变奏效
Geoarbitrage compare
City A vs City B — see how a move can double or triple the runway your savings buy.
Open → Live🏖️Sabbatical cost
What a clean career break really costs, including the re-entry runway on the other side.
Open → Live💸Side-hustle bridge
How much side income you need to cover your lean burn and stop trading time for a paycheck.
Open → Live✂️Runway extender
Model specific cuts and relocations to see exactly how much longer your money lasts.
Open → Live🧠Burnout self-assessment
A non-clinical, three-axis check that feeds your readiness score and flags when it's a health issue.
Open → Live⌁Freelance rate calculator
Going independent? Work out exactly what to charge so your runway never runs dry. (Companion tool.)
Open ↗基础与快速答案
Emergency fund
Your real 3/6/12-month safety net based on actual expenses — and how close you are.
Open → Live📊Net worth
Everything you own minus everything you owe — the number behind every exit plan.
Open → Live🎯Savings goal
How long to hit any target — or how much to save monthly to reach it by a date.
Open → Live⏳How long will my savings last
Spend-down with real returns and inflation — not just dividing one number by another.
Open → Live⚡Layoff runway
Just got laid off? See how many months savings + severance + benefits buy you.
Open → New⏱️Salary ↔ hourly
Convert salary to an hourly rate (or back) — and see your real hourly wage after unpaid overtime.
Open → New📉Pay cut calculator
Taking a lower-paying but better job? See the % drop and whether your budget still works.
Open → New🏖️PTO payout
What your unused vacation is worth in cash when you quit — gross and after tax.
Open → New🌱Compound interest
Project how a starting balance plus monthly deposits grow — and how much of it is pure interest.
Open → New✨Rule of 72
The napkin trick for how fast your money doubles — run it by return or by deadline.
Open →