IRA Calculator
Simulate Financial Independence Retire Early (FIRE) milestones, forecast Traditional/Roth IRA growth, calculate FERS federal pensions, evaluate U.S. savings bonds, and check taxable Social Security benefits.
IRA mode starts from the 2026 base contribution limit, but eligibility, catch-up contributions, deductions, and Roth phaseouts still need official review.
Planning estimate only. Verify IRA eligibility, FERS rules, savings bond values, and Social Security taxation with official sources.
Retirement Analysis
Roth/Traditional IRA Future Value
Asset Growth Track
Frequently Asked Questions
What is the 4% Rule in FIRE?
The 4% rule is a retirement planning heuristic based on historical portfolio research. It estimates a starting withdrawal equal to 4% of the initial portfolio, then inflation adjustments, but it is not a guarantee for every retiree or market period.
What is the difference between Traditional and Roth IRAs?
Traditional IRA contributions may be deductible depending on income and workplace-plan coverage, while withdrawals are generally taxed as ordinary income. Roth IRA contributions use after-tax money, and qualified withdrawals may be tax-free if IRS rules are met.
How does the FERS Pension work?
Federal Employees Retirement System (FERS) annuity is calculated as: High-3 Average Salary × Years of Service × Multiplier (usually 1.0%, or 1.1% if you retire at age 62+ with 20+ years of service).
Are Social Security benefits taxable?
Yes, depending on your combined income (adjusted gross income + nontaxable interest + half of your Social Security benefits). Up to 50% or 85% of your benefits may be taxable if combined income exceeds certain IRS thresholds.