FIRE & Retirement Planning

Financial independence is mostly arithmetic: how much you need, how fast you get there, and how safely you can spend it. These tools focus on the variables you can actually control.

Choose the right calculator

FIRE Number

Target portfolio = annual spending ÷ safe withdrawal rate.

Safe Withdrawal Rate (FIRE)

Monte Carlo success rate + deterministic path for a given rate and horizon.

401k & Retirement Growth

Contributions, employer match, raises, and expected returns over time.

Roth vs Traditional IRA

After-tax balance comparison given current vs future tax rates.

HSA Contribution Optimizer

Triple tax advantage vs taxable brokerage over decades.

Compound Interest

Growth of principal + monthly contributions at a given rate.

Time to $1M

Years to reach a million given contributions and growth.

Savings Goal Date

Month and year you hit a target balance with contributions and return.

Dividend Yield & Income

Annual cash flow from shares and price; project with growth.

Dividend Reinvestment

Growth difference with vs without reinvesting dividends.

Emergency Fund & Runway

Months of coverage from current savings and burn rate.

Budget Planner

50/30/20 or custom categories, remaining, and suggestions.

True Hourly Wage

Net hourly after taxes, commute, breaks, and unreimbursed costs.

Inflation Calculator

Purchasing power today vs future; real return after inflation.

A practical sequence

Know your real annual spending (after-tax). Use Budget Planner + True Hourly Wage if needed.
Compute your FIRE number: annual spend ÷ 0.04 (or your chosen safe rate). Start with FIRE Number.
Model sequence risk and success rate over your horizon with Safe Withdrawal Rate (Monte Carlo).
Project current accounts forward: 401k Growth, Compound Interest, Time to $1M.
Optimize the vehicle: Roth vs Traditional, HSA vs taxable brokerage.
Protect the plan: size an Emergency Fund and understand inflation drag.

Notes on the 4% rule and Monte Carlo

The classic 4% rule comes from historical US data (Trinity study era). Monte Carlo tools here show a distribution of outcomes under assumed mean return and volatility. A 95% “success” in simulation does not guarantee safety; it means the portfolio survived the modeled paths. Sequence of returns in the first 5–10 years matters more than average return over the whole period.