Want the full engine rather than a single identity? The live Monte Carlo demo runs 1,000 seeded paths on a fictional household with no signup. The withdrawal-strategy hub compares all nine rules in one table.
FIRE numbers
FIRE calculator
Your FIRE number, the age you reach financial independence, and how your savings rate changes the wait.
Coast FIRE calculator
How much you need invested today for compounding alone to reach your number, and the age you can stop saving.
Barista FIRE calculator
The portfolio that covers the gap between your spending and a part-time income, so full-time work can stop.
Lean FIRE calculator
Years of saving to fund a modest retirement number — typically around $40,000 a year.
Retirement math
Safe withdrawal rate
Turn a portfolio into a first-year retirement income, or an income target into the portfolio it needs.
Retirement number calculator
The portfolio that funds a chosen annual spend, and how many years of saving get you there.
Rule of 25 calculator
The 25× (or any multiple) nest egg for a spending target, and the implied withdrawal rate.
How long will my money last calculator
Years your savings last at a chosen withdrawal, the most you can take for a set horizon, and a year-by-year balance.
Flexible spending
Guyton-Klinger calculator
See when guardrails cut or raise spending, and what that does to the portfolio over a chosen horizon.
Vanguard dynamic spending
A target percentage of the current balance, with year-to-year spending changes clamped to a ceiling and a floor.
Endowment spending calculator
Yale’s published rule: 80% of last year’s spending plus 20% of a 5.25% target rate, held inside a 4.0% to 6.5% collar.
Risk-based guardrails calculator
Cut or raise spending when the remaining probability of success leaves a chosen band — not when the withdrawal rate does.
Spending formulas
VPW calculator
Variable percentage withdrawal: spend a rising share of the remaining balance as the horizon shortens.
CAPE withdrawal calculator
Set a first-year withdrawal rate from the current CAPE earnings yield, then inflate that dollar amount.
Merton withdrawal calculator
Merton’s risky share from risk aversion and volatility, then a remaining-horizon annuity at that implied return.
Risk and fees
Investment fee calculator
What a 1% fee removes over decades, and how a flat subscription compares.
Sequence of returns calculator
The same average return, two orders: a crash first versus a crash last, and the gap that creates.
Monte Carlo retirement calculator
1,000 seeded paths, a success rate, and a band of ending balances. No signup.
Taxes and Medicare
IRMAA calculator
Your Medicare Part B and D surcharge from your MAGI, the projected 2027 brackets, and the room left before the next cliff.
Retirement tax calculator
Federal and state tax on Social Security, IRA withdrawals, pensions and investment income for a 2026 return.
0% capital gains calculator
How much long-term gain you can take this year at the 0% federal rate, for tax-gain harvesting in low-income years.
Senior deduction calculator
How much of the new $6,000 deduction for people 65 and older you keep after the income phase-out, and the tax it saves.
RMDs and benefits
RMD calculator
Your required minimum distribution from your age and year-end balance, the start age for your birth year, and the IRS table.
Social Security breakeven calculator
When claiming at full retirement age or 70 overtakes claiming at 62, and which age pays the most for how long you live.
Inherited IRA RMD calculator
Which rule applies to an inherited IRA, this year’s required distribution, and when the account must be empty.
ACA subsidy cliff calculator
Your 2026 or 2027 ACA premium tax credit, the income where it ends, and the room you have before the cliff.
Roth and early access
Roth conversion calculator
The tax on a Roth conversion, how much to convert to fill your bracket, and what it does to Medicare premiums.
Roth conversion ladder calculator
When each rung of a Roth ladder can be withdrawn without penalty, the bridge money you need first, and the tax on each year.
Rule of 55 calculator
Whether you can take penalty-free 401(k) withdrawals after leaving your job at 55, the penalty you avoid and what is left at 59½.
72(t) calculator
Substantially equal periodic payments before 59½ under all three IRS methods, with the current maximum rate.
Accounts and savings
Net worth calculator
What you own minus what you owe, and where it ranks for your age in the Fed’s 2025 survey.
401(k) calculator
Your 401(k) at retirement with employer match, catch-ups from 50 and 60 to 63, raises and fees.
Roth IRA calculator
How much you can put in a Roth IRA at your income, what it grows to, and Roth versus traditional after tax.
IRA calculator
Your traditional IRA limit, how much is deductible with or without a workplace plan, the tax saved and the growth.
By the query people type
Fat FIRE calculator
Years of saving to fund a comfortable retirement number, typically $100,000 a year and up.
4% rule calculator
Bengen’s 4% of the starting portfolio as a first-year income, with fees taken off.
Trinity study calculator
The Trinity question: a 4% initial withdrawal for 30 years, reported as a 1,000-path success rate.
Retirement income calculator
Your monthly income in retirement from savings, Social Security and pensions, with a pension estimate from your plan’s formula.
Which retirement guardrails?
Choose Guyton-Klinger rails or risk-based rails, then open the tool that runs them.
Lump sum vs dollar-cost averaging
The same dollars invested today versus spread over years, on one return path.
Real return calculator
Nominal return after inflation, using the Fisher identity, not a subtraction.
Withdrawal order calculator
Taxable, tax-deferred and Roth as three buckets. Which you empty first changes what is left — not a tax engine.
Can I retire calculator
A portfolio, a spend, a horizon, and a 1,000-path success rate.
Savings rate calculator
What fraction of income you save, and how many years that takes to the number.
Pension vs lump sum calculator
The return a lump sum must earn to match your pension, the age the pension pulls ahead, and how long the lump sum lasts.
FERS retirement calculator
Your FERS pension from high-3, service and starting age, with the 1.1% rate, MRA+10 cut, sick leave, survivor cost and supplement.
Military retirement calculator
Retired pay from your High-3 and years of service under High-3 or BRS, with the SBP cost and your spouse’s survivor annuity.
Bucket strategy calculator
Size cash, bond and stock buckets from your spending, see the allocation they add up to, and test it across 1,000 markets.