FIREStressTest

FIREStressTest is a web + mobile app that pressure-tests your retirement plan against the stuff that actually breaks it: layoffs, sequence-of-returns risk, healthcare spikes, rent jumps, divorce, and long bear markets. Instead of a single “FI number,” it runs scenario packs and Monte Carlo simulations with user-specific assumptions (income volatility, spending elasticity, withdrawal rules, asset allocation, taxes). The app outputs a plain-English “failure story” explaining how you run out of money, plus the smallest set of levers to fix it (work 6 more months, cut $300/mo, reduce leverage, shift glidepath, add cash buffer). It also tracks leading indicators (burn rate drift, portfolio concentration, emergency fund coverage) and alerts when your plan’s probability of success drops below your chosen threshold. It’s not motivational content; it’s a risk dashboard for people who want to retire early without gambling.