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Plan Your Retirement with Our Retirement & FIRE Calculator
Planning for retirement starts with understanding how much you need to save, when you can retire, and how different financial decisions may affect your future income. Our Retirement & FIRE Calculator brings several powerful retirement-planning tools together in one place, designed specifically for U.S. investors.
Use the calculator to estimate your Roth IRA eligibility, explore a Backdoor Roth strategy, calculate your FIRE number using the 4% rule or a custom withdrawal rate, and estimate how long it could take to reach financial independence. The built-in Monte Carlo analysis also provides an estimated probability of your retirement portfolio lasting through your selected retirement period.
You can also compare Social Security claiming strategies at ages 62, 67, and 70 to better understand how the timing of your benefits may affect your retirement income.
Whether you’re just starting to save, actively pursuing Financial Independence, Retire Early (FIRE), or approaching retirement, these calculators can help you explore different scenarios and make more informed long-term financial decisions.
Important: These results are estimates for educational and planning purposes only and should not be considered personalized tax, investment, or Social Security advice.
Retirement & FIRE Calculator
Estimate Roth IRA eligibility, Backdoor Roth tax exposure, your FIRE number, retirement timeline, Monte Carlo success probability, and Social Security claiming scenarios.
Roth IRA & Backdoor Roth Calculator
Check estimated Roth IRA contribution eligibility based on Modified Adjusted Gross Income (MAGI). When direct Roth contributions are unavailable, estimate a Backdoor Roth conversion and the potential pro-rata tax impact.
Roth IRA Eligibility
Backdoor Roth Tax Estimator
This module estimates the federal income tax associated with converting Traditional IRA money to Roth when the direct Roth contribution is unavailable.
FIRE Number Calculator
Estimate the portfolio required for financial independence using the 4% rule or your own withdrawal rate, then project the time required to reach that goal.
FIRE Results
Monte Carlo Retirement Success Analysis
The simulation runs thousands of randomized investment-return paths. It estimates the percentage of simulated portfolios that still have money at the end of the selected retirement horizon.
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Pre-Retirement & Social Security Estimator
Estimate a simplified Social Security retirement benefit and compare claiming at age 62, 67, and 70.
Social Security Summary
Claiming Age Comparison
Social Security Break-Even Analysis