This tool is opinionated — it errs toward "don't break your safety net." Take it as a sanity check, not a substitute for talking to someone who knows your full picture.

We don't ask for personal info, don't store inputs, and don't sell anything. Refresh and your numbers are gone.

The "go" verdict assumes your income is reasonably stable. If it's not, treat the trip as a 100% withdrawal from runway.