A die-with-zero planner

Don’t stack money. Stack experiences — while you’re well enough to have them.

Your net worth is stored life. zeroleft helps you turn it back into living: spend on experiences in the years your health can still carry them, keep enough that you never run out, and watch how the whole plan plays out before you commit to it. Built on Bill Perkins’ Die With Zero.

Start your plan → or log in

Your life in weeks — one box per week, shaded by the health you’ll likely have example: age 38, planning to 90

lived ahead, good health ahead, health fading

Experiences

Money is unrealised experience. Plan the experiences, not the pile.

List what you want to do and the age you want to do it. zeroleft drops each one into a window of your life, shows the health you’re likely to have then, and flags a trek you’ve booked for an age your body probably can’t carry.

Because an experience keeps paying back in memory for years, doing it earlier is usually worth more — and the planner tells you by how much, comparing the lifetime value of the same trip at different ages.

Life plan — experiences placed in time buckets, against expected health (example)

Ages 40–44 health 92%

Hike the Dolomites

Learn to sail

Ages 45–49 health 83%

Japan — three weeks

Run a marathon

Ages 50–54 health 68%

A sabbatical year

Big family reunion

Ages 55–59 health 52%

⚠ Patagonia trek — health may not carry this

Slow travel, Portugal

Every amount is in today’s money. Experiences also feed the plan below — they’re part of what you’re spending down.

Money that lasts

Spend freely, without the fear of running out.

Enter your assets, income and costs. The solver finds the most you can add to your spending every year and still land near zero by your horizon — then stress-tests it against thousands of randomised market paths, so the chance of falling short is a number you can see, not a worry you carry.

Net worth over your life — median, with the 10th–90th percentile band (example plan) 6% chance of running out

median net worth 10th–90th percentile liquid assets survival threshold kept back

The plan also shows what a longer-than-expected life would cost your annual spending — and where an annuity buys that risk back.

Scenarios

Try a different life. See where each one ends.

Duplicate your plan and change one thing — retire five years earlier, spend more in your fifties, give the kids their share now. Put the versions side by side and compare where each leaves you: sustainable spending, when your net worth peaks, and how much is still unspent at the end of the plan.

Three plans, same person — net worth to age 90 (example)

Scenario	Extra / yr	Peak	Unspent	Runs out
Spend more in your 50s	€44,000	age 52	€40,000	never
Retire at 55	€31,000	age 55	—	age 83
Work to 62, cautious	€38,000	age 58	€610,000	never

Save a baseline, then check in once a year: the plan re-solves and tells you plainly whether you’re on track or quietly over-saving.

How it works

Three inputs, a plan, and a yearly check-in.

Enter your position.

Assets and debts, income, living costs — in today’s money. Mark which assets you’d actually draw down.
Read your plan.

The die-with-zero amount, the net-worth curve, your life in weeks, and where each experience lands against your health and your budget.
Check in once a year.

Record where you actually are. The plan re-solves and shows whether you’re on track, behind, or over-saving.

Your data

It runs in your browser. The numbers stay yours.

Every calculation runs client-side — projections are never sent anywhere to be computed.
Plans are stored per account on a small server with a Postgres database in the EU. Export or import any plan as JSON, anytime.
Email and password. No third-party sign-in, no analytics, no tracking.

Start where you are.

You don’t need every number exact. A rough plan you revisit once a year beats a precise one you never open again.

Create your plan →