About Bond Meadow
Five calculators for thinking about the years after work, each with its working shown.
What it is
Bond Meadow is a small set of free retirement calculators: a savings projection by age, the FIRE number, a withdrawal rate explorer with a sequence-of-returns illustration, years to retirement from your savings rate, and Coast FIRE. Each page explains its formula, gives a worked example and names the research it refers to, such as Bengen (1994) and the Trinity study (1998).
How it works
Everything runs in your browser. Nothing you type is sent anywhere, and once a page has loaded it keeps working without a connection. Only your currency symbol and light or dark theme are remembered, in your browser's local storage; the privacy page has the details. There are no accounts, cookies or ads.
Educational use only — not financial advice
Bond Meadow is for education. Every return, inflation and withdrawal rate is an assumption you enter; the examples filled in are examples, not forecasts, and no rate on this site is presented as safe for you. The site recommends no product, fund or provider, and nothing here is financial, tax or legal advice. Retirement decisions depend on your whole situation, so consider speaking to a qualified, independent adviser.
Who runs it
Bond Meadow is an independent website. It is not a bank, fund manager or any other financial institution and is not connected to one.