FIRE Calculator US

FIRE Calculator US helps you plan your path to Financial Independence, Retire Early (FIRE) with confidence — built specifically for US savers. Calculate your FIRE number, track your progress, and model the hardest part of early retirement: bridging the gap between the day you retire and age 59.5, when penalty-free 401(k)/IRA withdrawals begin. WHAT YOU CAN DO FIRE Number Calculator • Calculate exactly how much you need to retire early • Model different withdrawal rates (3%, 3.5%, 4%) • See your timeline to financial independence Pre-59.5 Bridge Planner • Roth conversion ladder projections • Rule of 55 eligibility check • 72(t) SEPP (Substantially Equal Periodic Payments) estimates • Compare bridge strategies side by side ACA Health Insurance Cliff • Estimate ACA subsidy eligibility before Medicare age • See how income affects your health insurance costs • Plan around the subsidy cliff Couple Planning • Model FIRE plans for two incomes and two timelines • Combine savings, expenses, and withdrawal strategies Save & Export • Save unlimited scenarios • Export detailed PDF reports • Compare strategies over time PRIVACY • Your data stays on your device • No account required • Works offline This app is for informational purposes only and does not constitute financial, legal, or tax advice. Consult a licensed financial professional before making retirement decisions.