When does work become optional?

Your path to freedom. Model your income, lifestyle, taxes, and returns. Get a clear estimate of the year your investments can fund your life.

Your numbers

Current age

yrs

Current investments

Annual gross income

Annual expenses

State residence

Tax filing

Enter what actually goes into the single investment bucket. Employee contributions use earned income; employer contributions are added separately.

Base employee contribution

Annual employer contribution

Catch-Up At Age 50+

Catch-Up at ages 60-63

Tax treatment

Contribution growth

$0 employee + $0 employer invested this year.

Enter the $24,500 base contribution separately from the extra catch-up amounts. Enforced 2026 catch-up limits are $8,000 at ages 50–59 and 64+, and $11,250 at ages 60–63. Employee plus employer contributions are capped at $72,000 plus the catch-up amount actually contributed. Future limits grow with the Inflation assumption. The model treats these amounts as one participant's covered workplace plan. IRS catch-up guidance

Three-bucket planning

Separate traditional, Roth, and taxable investments for an early-retirement bridge.

Traditional 401(k), 403(b), and IRA assets. Contributions reduce taxable income; this model assumes withdrawals become available at age 60 and are taxed as ordinary income.

Current investments

Your annual contribution

Annual employer match

Withdrawal tax

Annual return 7.0%1%12%

Roth 401(k) and Roth IRA assets. Contributions use after-tax income; this model assumes the full balance becomes available tax-free at age 60.

Current investments

Your annual contribution

Annual employer match

Annual return 7.0%1%12%

Accessible at any age and used to bridge early retirement to the modeled retirement-account access age of 60. Balances and contributions are unrestricted; only gains—not returned cost basis—are taxed when sold.

Current investments

Current cost basis

Annual contribution

Annual return 7.0%1%12%

For limit validation, tax-deferred and Roth employee contributions share one participant's workplace-plan deferral limit. Employer matches share the combined $72,000 plan limit; only the catch-up amount actually contributed is allowed above it. Taxable brokerage contributions are excluded. Separate IRA limits and multiple participants are not modeled.

Annual return 7.0%1%12% Withdrawal rate 4.0%2.5%6%

Income growth

Inflation

Work beyond FIRE

Keep the original FIRE date, then model a later planned retirement with a different savings strategy.

Post-FIRE stress test

Model a downturn after retirement without changing your normal FIRE date.

Tax estimates are simplified. Advanced mode uses a modeled retirement-account access age of 60, retirement-income tax, and capital gains. This is educational planning guidance, not financial, tax, investment, or legal advice.

Your forecast

LIVE MODEL

Educational planning estimate

This forecast uses simplified assumptions and is not financial, tax, investment, or legal advice. Returns, inflation, taxes, benefits, and account access may differ from actual results.

Review important modeling assumptions

Investment returns and inflation are user-selected assumptions, not predictions or guarantees.
Federal and state tax estimates omit many deductions, credits, local taxes, and account-specific rules.
Social Security is a planning estimate, not an entitlement calculation.
Three-bucket planning assumes the full traditional and Roth balances become accessible at age 60.
Rule of 55 eligibility, Roth contribution basis, conversion ladders, 72(t)/SEPP, RMDs, and plan-specific withdrawal rules are not modeled.

ESTIMATED FINANCIAL INDEPENDENCE

2041 OCTOBER

15.0 YEARS AWAY

At age 47, your portfolio is projected to support your annual lifestyle.

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YOUR FIRE NUMBER$1.38M

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ANNUAL INVESTING$34,770

EFFECTIVE TAX25.2%

Path to FIRE

Projected accumulation vs. your inflation-adjusted FIRE target

PORTFOLIO FIRE TARGET

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Your savings rate is the engine.

You are investing 29% of gross income after estimated taxes and expenses.

When does work become optional?

Your forecast

Planned retirement

Path to FIRE

Your savings rate is the engine.

Downturn stress test