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12 free Retirement & FIRE — accurate, no signup.
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Calculate how much you need saved now so you can stop contributing and still retire through compound growth.
Estimate the portfolio needed to leave full-time work, cover expenses with part-time income, and withdraw the remaining gap.
Compare Social Security benefits at 62, 67, and 70 with lifetime totals and break-even ages.
Estimate tax and 10% penalty on 401(k) early withdrawal. Federal, state, and net you keep by state and income.
How much does a career break cost your retirement? Lost contributions, match, compound growth. 2–5 years out.
Calculate Required Minimum Distribution for IRA/401k. IRS Uniform Lifetime Table, SECURE 2.0 ages 73/75.
Compare taking pension as annuity vs lump sum. NPV analysis with COLA and discount rate.
How long will your portfolio last? 4% rule, inflation-adjusted withdrawals, year-by-year projection.
Estimate Medicare Part B and Part D surcharges based on modified AGI. IRMAA income tiers.
Multi-year Roth conversion bracket-filler. Fill 12/22/24 percent per year, avoid IRMAA cliffs, per-conversion 5-year access dates.