e.g. pension / Social Security / rental — reduces the portfolio you must build. Starts at age
,
ends at age (0 = lifelong).
⚠ Income that ends before age
95 doesn't lower your headline target — a window that stops can't fund
a forever-reduction. Its real benefit shows in the plan-success simulations, which honour it.
Market risk & retirement
Taxes & accounts PRO
Assumptions
Your path — accumulation & retirement survival
What this means
Milestones
Click any row to break down that year's income, spending, events & growth.
What moves your FI date most PRO
Ember Pro — sync across devices
This planner is entirely free — every number, including the
simulation. Pro is for keeping a plan across your devices over time, in the account app.
Pro — Annual
Sync your plan across devices
Progress-journal analytics
Reports
$79
/year · save 26%
Pro — Monthly
$9
/month
Ember Pro isn’t on sale yet. These are the launch
prices, published early so there are no surprises. The planner stays free meanwhile — nothing you use
today goes away when Pro opens.
Already have a license key?
What Ember measures
These are anonymous counts only — no amounts, no identity — and they never leave your browser. In production these would aggregate on a privacy-first analytics service (no PII). This is your data; here's all of it.
Encrypt data on this device
Optional. Stores your plan as ciphertext (AES-GCM) that can’t be read from local storage without your password. The password never leaves this device — so there is no recovery if you forget it.
This device’s plan is locked
Enter your password to unlock. Everything is decrypted locally — nothing is uploaded. There is no recovery if you’ve lost it.