Adaptive Plan
Dial savings up or down as life evolves—without losing the long-term trajectory.
About FIREandLife
We help you pursue Financial Independence (FI) without sacrificing the seasons of life that matter most. That’s FlexFI: an adaptive approach to saving, investing, and spending that changes as life changes—kids, career shifts, recessions, caretaking, or a well-earned break.
What is FlexFI?
Real-World Math
Cash-flow-first calculators (taxes, healthcare, volatility) that reflect how money actually moves.
Purpose Over Percentages
FI is more than a single withdrawal rate. Plan for the life you want, then fund it intentionally.
What You’ll Find Here
Calculators & Tools
From take-home pay to net worth history, everything runs in your browser—no logins, no data collection.
Explore CalculatorsScenarios & Playbooks
How real families navigate raises, childcare costs, market dips, and sabbaticals—step by step.
Read the BlogFlexFI Framework
Principles you can reuse: prioritize, model, decide, and review. Simple enough to repeat monthly.
Learn FlexFIFAQ
Do you store my data?
No. The calculators run locally in your browser. Your entries are saved to your device (localStorage) only.
Is this financial advice?
Educational only. We share frameworks and math to inform your choices. Not financial, tax, or legal advice.
How can I support FIREandLife?
Share a post, subscribe to the newsletter, or send feedback. It all helps.