Retirement & FIRE
12 free Retirement & FIRE — accurate, no signup.
Retirement Savings
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
FIRE Calculator
Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Coast FIRE Calculator
Calculate how much you need saved now so you can stop contributing and still retire through compound growth.
Barista FIRE Calculator
Estimate the portfolio needed to leave full-time work, cover expenses with part-time income, and withdraw the remaining gap.
Social Security Benefits Estimator
Compare Social Security benefits at 62, 67, and 70 with lifetime totals and break-even ages.
401(k) Early Withdrawal Calculator
Estimate tax and 10% penalty on 401(k) early withdrawal. Federal, state, and net you keep by state and income.
Career Break Impact Calculator
How much does a career break cost your retirement? Lost contributions, match, compound growth. 2–5 years out.
RMD Calculator
Calculate Required Minimum Distribution for IRA/401k. IRS Uniform Lifetime Table, SECURE 2.0 ages 73/75.
Pension vs Lump Sum
Compare taking pension as annuity vs lump sum. NPV analysis with COLA and discount rate.
Retirement Withdrawal Calculator
How long will your portfolio last? 4% rule, inflation-adjusted withdrawals, year-by-year projection.
Medicare IRMAA Calculator
Estimate Medicare Part B and Part D surcharges based on modified AGI. IRMAA income tiers.
Roth Conversion Ladder Calculator
Multi-year Roth conversion bracket-filler. Fill 12/22/24 percent per year, avoid IRMAA cliffs, per-conversion 5-year access dates.
How to choose in this category
The accumulation side first: the Retirement Savings calculator projects what monthly contributions become by a target age. The FIRE family answers three different questions — FIRE for full early retirement, Coast FIRE for when you can stop contributing, Barista FIRE for covering part of your costs with light work.
Spending it down is where the hard decisions live. The Retirement Withdrawal calculator tests how long a portfolio lasts at a given rate, the RMD calculator computes the IRS-mandated minimums, Social Security shows what claiming at 62 versus 70 does to the monthly check, Pension vs Lump Sum compares the two offers, and the Roth Conversion Ladder maps the five-year rule. Medicare IRMAA matters here too: one dollar over a threshold raises premiums for a full year.
Life rarely runs in a straight line — Career Break Impact quantifies what a pause does to the final balance, and the 401(k) Early Withdrawal calculator shows the true cost of taking money out at 35: penalty, taxes and the growth that never happens.