ORBIT v4.1

Financial Autonomy Calculator

Your Google-only financial workspace: saved plans and dated snapshots in Firestore, with nominal March-event forecasts and the original FALCON gates.

Private Firestore portfolio trajectory

Annual trajectory + March step events

Nominal-dollar monthly projections. A smooth contribution reference is shown beside a March-lump-sum scenario; saved actual snapshots are never overwritten.

Plan vintage

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Retirement target coverage—

Baseline date Retirement allocation notes Retirement year Retirement / pension month Nominal return (%) Inflation (%) Annual contribution growth (%) 401(k) employee / year Employer match / year Employer nonelective / March After-tax $ / paycheck Paychecks per year Taxable / March Pension lump sum / retirement Additional one-time deposits (optional) One-time deposit date

The annual 401(k) employer nonelective is posted each March; bonus/LTI investment is posted each March separately. Totals exclude 529 and custodial accounts. Contributions stop after the selected retirement month.

Portfolio baseline

These balances anchor a saved plan revision. Do not double-count options collateral or SGOV already inside your taxable account.

Retirement accounts ($) Taxable ($) Separate active assets ($) Other retirement assets ($)

Entered baseline / snapshot—

Actual snapshot balances

Enter observed balances separately. Recording an actual snapshot never changes your saved projection; use Rebase when you intend to adopt the observation as a new starting point.

Retirement accounts ($) Taxable ($) Separate active assets ($) Other investments ($)

Snapshot date Snapshot note

Smooth monthly referenceActual March event scheduleSaved snapshots

Year-end projection

Year	Smooth	March steps	Step deposits (incl. pension)

Snapshot history

Variance is compared to the immutable plan revision active when the snapshot was recorded. Rebase explicitly if you want future projections to start from an actual observation.

Date	Actual	Expected	Difference	Actions

Saving a revised plan does not rewrite earlier forecasts or historical snapshots.

Advanced retirement spending, consulting and legacy model settings

The four primary numbers above are derived from the retirement spending phases below. The original independent FALCON gates remain available for review but are no longer the dashboard headline. Changing retirement spending or consulting here recalculates the four primary numbers.

The original real-dollar FALCON gates below remain a separate legacy calculation. The event-based tracker above uses nominal returns, dated contributions, March investment deposits, and the legacy pension. It does not yet model retirement withdrawals or account-specific income taxes.

Primary modeled state

Mathematical Coast

Retirement target capital (R*)

Present value at retirement of modeled net retirement shortfalls.

Mathematical Coast Floor (C0)

FALCON policy floor (Cmargin)

Full-FI lifetime PV

Current lifestyle through retirement plus the retirement target, discounted to today.

SWR FIRE heuristic

Required annual core saving (S*)

Projected assets at retirement

Career-independence income floor

Annual FALCON surplus (F)

Capital buffer to policy floor

Ages and assumptions

Use real returns because every cash-flow input is in today's dollars.

Current age Retirement age Plan ends at age Accumulation real return (%) Retirement real return (%) Full-FI discount rate (%) Policy margin (%) SWR heuristic (%)

Modeled invested assets

Use assets included in the retirement model; normally exclude home equity, 529 assets, and emergency cash unless intentionally modeled.

Pillar 1 - tax-sheltered core ($) Pillar 2 - passive taxable core ($) Pillar 3 - active cash-flow engine ($) Other modeled investments ($)

Total invested assets (A0)

Current annual cash flow

Lifestyle and cash-flow amounts are annual, after-tax cash needs or spendable income.

Gross employment / consulting income ($) Effective tax + payroll rate (%) Spendable income override ($, optional) Net active cash-flow income ($) After-tax lifestyle need, L ($) Actual core retirement saving, S ($) Reserve replenishment, Q ($) Known near-term obligations, O ($)

Retirement spending phases

For each retirement year, the calculator discounts max(0, spending - reliable income) back to the retirement date.

From age	Through age	Annual spending	Reliable income

Rows must cover every age from the retirement age through the year before the plan-ending age, without gaps or overlaps.

Capital path to retirement

Projected invested assets use current annual core saving and the accumulation real-return assumption. Coast and policy floors rise as retirement approaches.

Projected Coast age

Projected margin age

Retirement funding ratio

Full-FI funding ratio now

Guardrail and circuit breaker

The base v2.0 policy mechanically re-locks discretionary escalation whenever assets fall below the contemporaneous policy floor.

Current policy floor

Optional 25% re-entry floor

Asset drawdown before closure

Active-engine share

Calculation audit

Retirement target R*

Coast Floor C0

Policy floor Cmargin

Required saving S*

Career floor Yfloor

FALCON surplus F

Full-FI lifetime PV