A free die-with-zero calculator
How much more could you be spending?
A stripped-down version of zeroleft's solver. Enter what you have and what's coming in and out, and see the flat amount you could add to your spending every year and still land near zero by the age you choose. No login, nothing saved — it runs in your browser.
Your numbers (today's money)
You could likely add
€0 / year
This is one liquid pool, flat spending, and no tax model — the full planner splits out each asset, places one-off experiences and gifts, stress-tests the plan against thousands of market paths, and holds a safety floor back. Use this for a rough number; use the planner for the plan.
Get the full plan — your real assets, experiences placed against your health, and a yearly check-in.
Build your plan →Common questions
Is this the same solver as the full zeroleft app?
Same idea — find the largest flat amount you can add to your spending and still land near zero — but stripped down. It skips your specific assets, taxes, gifts, one-off experiences, and the safety floor the full planner holds back. Treat the number as a rough starting point, not a plan.
What counts as "liquid assets" here?
Whatever you would actually draw down to spend: cash, brokerage accounts, retirement accounts you can access. Leave out property or anything you plan to keep untouched — the full planner lets you mark each asset separately.
What return rate should I use?
A real return — net of fees, taxes and inflation — not the headline return your investments quote. 3-5% real is a common assumption for a diversified portfolio; see the methodology for the reasoning.
Why no tax model?
Tax rules vary too much by country and account type for a generic number to mean anything. Enter income and returns net of tax, and treat the output as the shape of a plan, not a withdrawal schedule.