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Path To Zero

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Why this page exists

Die with zero leftover. Keep the memories.

Spend it while the body can. Hit zero — or a legacy — at the end.

This page is not a race to a bigger pile. It is the most you can spend each year so wealth is gone when life ends. Money is the ticket. The years are the trip. A leftover vault with an unused life is the failure, not the prize.

  • PeakHigh energy. Front-load living. This curve has barely begun.
  • GoldenMedium energy. Comfort, skill, giving while children are young.
  • ComfortLow energy. Care, convenience, local leisure.

Start age and mortality are this page. Current age comes from the date of birth on Settings. The curve appears when there is a portfolio to draw. Not advice.

Current age comes from the date of birth on your profile — it is not edited here. Start age is when drawing begins. Mortality is a planning end — not a diagnosis. Save writes these assumptions. This is a drawdown ceiling, not FIRE Tracker core living. Open FIRE Tracker.

Guilt-free spend

0.00 / month

No path yet. Set start age and mortality — current age comes from Settings. The curve appears when there is a portfolio to draw.

Current age — today · from your profile. Open Settings. Start wealth is the FIRE pile at this start age — it moves if you change start age, or the pension/stocks rates on FIRE Tracker.

When you begin drawing. Fills at your current age — raise it if you will not draw yet. It cannot sit in the past.

Planning end, often 80–90. Not a life-expectancy engine.

Current age comes from Settings. Start age is when drawing begins. Mortality is a planning end, not a diagnosis.

Save writes these assumptions. Done restores the last saved values. Date of birth is edited on Settings / You only. Start 1–119. Mortality 2–120. Rates 1–100. Real ROI = (1+blended)/(1+inflation)−1. Monthly, the chart, and the trajectory table are the same solver.

The Path To Zero (Net Worth Decumulation)

Live from Guilt-free spend · 0.00 / month · 0.00 / yr · pile 0.00 at — · Real ROI 3.40%

Peak · —

High energy, high-activity travel, front-load spending.

Energy
High
Years
0
Spend
0

Golden · —

Comfort travel, skill, giving while children are young.

Energy
Medium
Years
0
Spend
0

Comfort · —

Care, convenience, local leisure.

Energy
Low
Years
0
Spend
0
Real wealth · start-age $ You are here · set date of birth on Settings
Wealth remaining PEAK GOLDEN COMFORT 1 0.75 0.5 0.25 0 Now Horizon Your age · set date of birth on Settings

X is age from now to the last year shown. The line is wealth left in start-age dollars. It starts when you start drawing — the start age you set — and meets the legacy at mortality. Peak years before drawdown sit to the left: lived now, not taken from this pile. Total real spend 0.00 from a pile of 0.00 (the rest is growth at Real ROI).

Peak0.00
Golden0.00
Comfort0.00

Spend by phase. Total real spend 0.00 over — years from a pile of 0.00. Optimal Spend in the table is this same annual 0.00 every drawdown year.

Empty timeline. The curve appears when there is a portfolio to draw.

Trajectory (real, start-age $)

Live from Guilt-free spend · Optimal spend 0.00 / yr · 0.00 / mo · — years ages —

Age Starting Wealth Investment Growth Optimal Spend (Real) Ending Wealth
Start · — 0.00 0.00 0.00 0.00
Last spend · — 0.00 0.00 0.00 0.00
Mortality · — (open) 0.00 — none 0.00

Canonical real series §9.7. Changing blended ROI or inflation changes Real ROI, then this spend column, then ending wealth and the chart. Spend is constant in start-age dollars — do not inflate it. The mortality year is open: 0 spend. Clip at mortality — no negative-wealth tail. Switching to Nominal does not change monthly spend.