Tell us about your household

We'll tailor everything to your situation — single, married, or planning together.

You Primary

Plan through this age
We'll project until the later life expectancy of all household members, so your plan covers everyone.

Income & retirement goals

How much do you earn now, and how much will you need in retirement?

Retirement income sources

Do you or your household expect any guaranteed income in retirement?

Social Security is estimated based on your income. You can override the estimate once we add it in a future update.

Your retirement accounts

Add each savings or investment account. We'll model growth, contributions, and withdrawals for each.

Roth Traditional Cash / Taxable Pension
Include everything: 401(k), IRA, Roth, brokerage, savings, crypto. Assign each account to its owner — this determines whose retirement it serves. Mark shared accounts as "Joint" and we'll split them 50/50.

Market & tax assumptions

These defaults are reasonable starting points. Adjust if you have a specific view on inflation, taxes, or market returns.

Historical average: ~3%
2025 federal brackets applied automatically
Federal + state brackets applied
Enter your state's flat rate
Annual raise expectation
Using 2025 progressive federal brackets. Estimated effective rate on $60K retirement income: ~12% (MFJ) Tax data: 2025 IRS

Scenario volatility

We'll project three scenarios: Base, Bear (pessimistic), and Bull (optimistic).

Bear = Return - this; Bull = Return + this
More runs = smoother probabilities

Withdrawal strategy

Control how accounts are drawn down during early retirement.

When ON (default): Cash → Pension → Traditional → Roth (penalties apply before 59½)
When OFF: Uses only cash and pension before 59½ — avoids penalties entirely
Not sure? Leave the defaults — they're based on U.S. historical averages. You can always come back and adjust after seeing your results.
-- Fire Score
Calculating...
Your projection is running.
On Track (80+) Caution (50-79) Behind (<50)
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Years to Retirement
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Projected at Retirement
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Success Rate
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Monthly Contributions

Portfolio Projection

Year-by-Year Breakdown

Year Age Start Balance Contributions Growth Withdrawals End Balance

Account & Tax Breakdown

Tax Rules Applied:
Roth: Tax-free after 59.5 Traditional: 10-22% progressive brackets Cash: 0-15% on gains only Pension: 10-22% progressive brackets
Pre-59.5 withdrawals from Roth/Traditional incur 10% early withdrawal penalty Cash/Taxable accounts drawn first to avoid penalties

Personalized Recommendations

Not financial advice. Projections are hypothetical estimates based on the assumptions you entered. Actual results will vary. Past performance does not guarantee future results. Consult a qualified financial advisor before making retirement decisions. View full methodology & disclosures →