PrimeFinance models cash flow, compound growth, and financial-independence timelines the way a research lab models an experiment — structured inputs, transparent assumptions, and outputs you can actually plan around.
Illustrative benchmark figures used across our frameworks and simulators.
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Target Savings Rate
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Emergency Reserve Goal
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Avg. Debt-to-Income Watch Line
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Modeled Long-Term Return
Every framework on PrimeFinance starts from the same four building blocks: how you allocate income, how you protect against shocks, how your assets are positioned, and how consistently you invest over time.
50/30/20 Allocation
Needs, wants, and future-you — split with intention.
Cash-Flow Baseline
Know what moves through your accounts every month.
Emergency Reserve
A buffer sized to your real fixed expenses.
Long-Term Investing
Consistency and time horizon over timing the market.
CASH FLOW BASELINE
Income mapped against fixed, flexible, and future-focused spending.
Adjust the inputs to see how starting amount, contributions, and time interact.
Estimated Future Value
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Contributions
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Growth
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Estimates only. Actual results depend on real market performance and fees.
Required Portfolio (25x rule)
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Estimated Timeline
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The FIRE runway model estimates how long it may take to reach a portfolio large enough to sustainably cover your annual spending, using a standard 25x spending benchmark.
Open full FIRE Runway CalculatorReserve targets should reflect your real essential monthly expenses, not a guess.
Recommended Reserve
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Coverage Today
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Remaining Gap
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The avalanche method targets the highest interest rate first, typically minimizing total interest paid. The snowball method targets the smallest balance first, often building momentum and motivation earlier.
Avalanche
Sorted by APR, highest first — typically lower total interest.
Snowball
Sorted by balance, smallest first — faster early wins.
A closer look at the concepts behind our frameworks and calculators.
Investment Research
How a longer runway changes the math on volatility and contribution timing.
Retirement Planning
What the contribution-vs-growth split actually tells you.
Budgeting
Adjusting the framework for high cost-of-living areas.
Five lab-grade calculators. No account required. Your inputs stay in your browser.