The Ant Fund
Calculators, education, and clear thinking on the road to financial independence — without the jargon, without the hype.
Our mission
Most personal finance is loud, complicated, or selling something. We think the opposite works better: small, steady contributions, patient decisions, and tools that make the math visible.
Financial tools
Each tool is fully client-side — your inputs never leave your browser — and built to answer one question well.
Run 10,000 simulations of your retirement plan in your browser. See how often the plan survives, what the bad cases look like, and where the assumptions matter most.
Translate your annual spending into a financial-independence target with a valuation-aware safe withdrawal rate. Runs entirely in your browser.
Plan and stress-test a two-bucket retirement withdrawal strategy — a stability bucket funds spending, a growth bucket refills it — with research-backed guardrail rules, Monte Carlo success rates, and a January-2000 dot-com stress test.
Project how contributions and compounding grow an investment — or solve for the contribution, return, starting amount, or time you need to hit a goal. Compare scenarios side by side.
Run the numbers on a rental — cash flow, cap rate, and long-run total return — before you commit.
In development
Why plan
Retirement planning isn’t about predicting the future. It’s about preparing for the realistic range of futures you might actually get.
The earliest dollar you invest is the most powerful one. Seeing that on a chart is harder to ignore than reading about it.
A plan you’ve stress-tested is one you can stick with when markets get noisy — which is exactly when sticking matters most.
Retire two years later or save $200 more a month — both move the needle. Numbers let you choose with your eyes open.
Average returns hide tail risk. Monte Carlo asks what happens in the 10% of futures that go badly — and whether you still make it.
From the blog
A thousand patterns have a thousand names — and every one of them is a footnote to a single tug-of-war between buyers and sellers. Candlesticks, chart patterns, support and resistance, moving averages, Bollinger Bands, MACD, and multi-time-frame analysis, explained from the ground up.
Keep a few years of expenses in safe, boring investments and the rest in stock index funds — so a market crash never forces you to sell at the bottom to pay your bills. Explained with a $1.5M, $5,000/month worked example.
There's one equation underneath every FIRE calculator. The whole debate is about how to set one number in it. A field guide to seven methods — Bengen's 4% rule, Morningstar's forward-looking SWR, CAPE-linked rates, Guyton-Klinger guardrails, dynamic withdrawals, and the variants (Lean, Fat, Coast, Barista) — plus the architecture that combines them.
Stay in touch
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