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.