FIRE Retirement Calculator
All values in today's dollars
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On track — earliest safe FIRE is age 47, 8 years before your target. Retiring at 55: portfolio never depletes.
Portfolio needed at target
$2.02M
Earliest FIRE age
47
Money lasts until
Forever
Est. SS benefit
$4,150/mo
Est. lifetime taxes (retirement)
$533k
Avg effective tax rate
12.7%
Brokerage Roth Traditional Needed at target Target age SS starts Earliest FIRE age Brokerage depleted
Red line = portfolio needed at target so the simulation never depletes (SS, withdrawal order, taxes, etc.).
Safe withdrawal rate for 35-year retirement at age 55: 3.5%. Portfolio needed at target (simulation): $2.02M. Rule-of-thumb (spending ÷ SWR): $3.43M. Annual spending: $120k/yr.
How the simulation works: Each year, the simulator withdraws from your accounts to meet spending, applies taxes per current federal brackets + your state rates, and tracks balances until life expectancy. 85% of Social Security is treated as taxable income.
Earliest FIRE age —
the youngest age where retiring and drawing down still leaves you solvent through life expectancy. Money lasts until —
the age your portfolio hits zero if you retire at your target age (or "Forever" if it never runs out).
Withdrawal order:
Before 59½ —
Brokerage first (only gains are taxed, at LTCG rates) → Roth contributions (tax-free) → Traditional (taxed as income + 10% early penalty) → Roth gains (10% penalty).
After 59½ —
Traditional to fill the standard deduction and brackets where your combined rate is ≤20% → Brokerage (LTCG) → Roth (tax-free, avoids higher brackets) → Traditional at higher brackets only if Roth is exhausted.
Your Situation
Current age
Life expectancy
Retirement
Monthly spending in retirement
Target retire age
Social Security
Years worked so far
Life-to-date avg salary
Current annual income
Avg annual raise
SS claiming age
Past 8 yrs: avg $110k/yr (wage-indexed). Future 25 yrs: $157k/yr + 3.0%/yr. AIME: $16,331/mo (2 zero yrs). PIA at 67: $4,417/mo. Claiming at 67 (full retirement age) = $4,150/mo (100% of PIA).
Healthcare Cost Escalator
Healthcare starts at age
Extra monthly healthcare cost
Brokerage (taxable)
Current balance
Monthly contribution
Cost basis
Roth IRA / Roth 401k
Current balance
Monthly contribution
Total contributions basis
Traditional 401k / IRA
Current balance
Monthly contribution
Taxes
Filing status
State income tax rate
State capital gains rate
Tax assumptions & brackets
Federal brackets (2025, inflation-indexed) in today's dollars. State rates are flat approximations. 85% of SS benefits assumed taxable. Pre-59½ withdrawals from traditional accounts incur a 10% penalty.
Single filer
Standard deduction: $15,700
| Income up to | Rate |
|---|---|
| $11,925 | 10% |
| $48,475 | 12% |
| $103,350 | 22% |
| $197,300 | 24% |
| $250,525 | 32% |
| $626,350 | 35% |
| ∞ | 37% |
Long-term capital gains
| Income up to | Rate |
|---|---|
| $48,350 | 0% |
| $533,400 | 15% |
| ∞ | 20% |
State: 5.0% income tax, 5.0% capital gains (flat, applied on top of federal).
Market Assumptions
Investment return (nominal)
Inflation rate