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Taking control of your financial future starts now.
A Design Thinking Approach to Investing & Early retirement.
The next step is going to give you unexpected clarity on your financial health and retirement trajectory!
When Can I Stop Working For Money?
And let my money work for me?
Did you know: Up to 75% of adults have never calculated their freedom numbers.
The Freedom Simulator is Used By Thousands Of Ambitious young professionals
WHO IS IT FOR?
IF YOU ARE PONDERING THE IDEA AND POSSIBILITY OF HOW YOU CAN RETIRE EARLIER
You know you should be asking yourself some basic but important questions
- Assessment: How much am I actually earning, spending, saving and investing each month?
- Sustainability: How much do I need to sustain my lifestyle IF I lose my job tomorrow, or IF I am retiring in 10,20/30 years?
- Exploration: What can I do to make my money work harder for me, what options do I have?
- Planning: What kind of investment strategy suits me to ensure a positive outcome?
Our Mission
get 1 million people to calculate their freedom age - and pull the levers to retire 10-15 years earlier
WHAT YOU GET
MOST RETIREMENT CALCULATORS
PLAN B (FREE) SIMULATOR
On-track vs off-track status + “gap” number
Not just “you need $X.” You see the shortfall and what it means in timeline terms
The PLAN B SIMULATOR IS DESIGNED TO HELP YOU
MASTER YOUR FINANCIAL FUTURE
What makes you more likely to achieve your goals
- Clarity: Defining retirement, understanding the global market and investment trends
- Confidence: Close look at your personality, habits and find the strategy that suits you
- Framework: A feasible and realistic action plan that you can actually achieve
WHAT YOU GET
MOST RETIREMENT CALCULATORS
PLAN B (FREE) SIMULATOR
(age you can realistically stop working)
Not just “you need $X.” You see the shortfall and what it means in timeline terms
(Asset buckets + expected returns) instead of a single generic CAGR
(Shows which variables move retirement age most)
(change assumptions and see the timeline update instantly)
EASY. SIMPLE. FREE.
WHEN CAN I STOP WORKING FOR MONEY?
The best retirement calculator for Millennials and Gen Z.
- Stop guessing your retirement age — see your Retirement Date. We don’t ask when you want to retire; we show when you can retire based on your current lifestyle and plan.
- See how hard your money is working. Benchmark the real performance of your capital and yearly contributions — and spot what’s holding you back.
- Instant clarity: on track or off track. In minutes, you’ll know whether your current path reaches your goals.
- Built around your lifestyle and investment thesis. Model your exact mix of assets, returns, contributions, inflation, and spending — and adjust the assumptions anytime.
- Cheating Mode: answers first, detail second. Get a fast, simplified projection when you want speed — then refine the numbers only if you need to.
- Works in any language and currency!
View Your Current Trajectory Towards Financial Freedom Now!
WHY THE PLAN B SIMULATOR ROCKS!
When I retired early (39) I reviewed all the calculators and they sucked! Here are some of my pet hates I rectified with the Plan B Simulator.
- 1) “Your portfolio is 70/30 stocks & bonds.”
Most calculators force a standard mix. Plan B lets you model your real assets — including crypto, property, private deals, art, even whiskey. - 2) “Just enter your expected return.”
Most tools assume you already know your long-term return. Plan B helps you estimate a realistic blended return (blended weighted CAGR) across your assets (instead of guessing one magic number). - 3) “Here’s how much you need.”
Most calculators stop at a rough “nest egg number.” Plan B focuses on what you actually care about: when you’ll hit financial freedom based on your life today. - 4) “Retirement starts at 62… and everyone dies by 99.”
Many calculators limit withdrawals to “traditional retirement age” and cap longevity. Plan B supports early retirement and lets you model a longer life expectancy. - 5) “Social security/pension is either ignored or over-simplified.”
Plan B treats pensions and social payments as optional building blocks — especially useful to see what changes if you retire early (or later). - 6) “Tax strategy is too detailed to matter right now.”
Some tools go deep into niche tactics, or ignore taxes entirely. Plan B keeps it big-picture: simple tax assumptions so you can plan without getting lost. - 7) “You’ll withdraw perfectly through volatility.”
Most calculators assume smooth withdrawals. Plan B includes a cash buffer option so you can avoid selling investments at the worst possible time — and potentially retire with less stress (and less required capital).
About Plan B
Plan B was created by Jan Kennedy, an accelerator program designer & educator for innovation and entrepreneurship transforming over 2000 individuals in their pursuit of new business plans. The Plan B course & mentoring guides participants via a series of design thinking steps to further test, optimise and build their ultimate investment and retirement plan - filling educational gaps along the way. As a result participants are saving an average of 10-15 years on their current trajectory. More info can be found at: planbinvesting.me
Plan B by InspiraX International Sdn Bhd © 2026. All Rights Reserved.
The Content is for informational and educational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by us or any third party service provider to buy or sell any securities or other financial instruments.