Retirement & FIRE 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.
Social Security taxability mode uses a simplified combined-income estimate; it is not a full federal or state tax return.
Planning estimate only. Verify IRA eligibility, FERS rules, savings bond values, and Social Security taxation with official sources.
Retirement Analysis
Taxable Social Security Benefits
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.