LESS GUESSWORK. MORE POSSIBILITY.

Your earliest path to FIRE

Start with four numbers for a rough range, or build a detailed plan.

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Open a RapidFIRE plan file to pick up where you left off. Your financial details stay in this browser.

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Plan files and other options

Download a backup of every saved plan. Files contain your financial details.

Compare past results

Choose two saved plans. These are dated snapshots; open a plan and calculate again for a current result.

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FOUR NUMBERS

Quick estimate

A starting estimate in today’s dollars—not a retirement recommendation.

Current age Savings and investments for retirement today $Include retirement and brokerage accounts; exclude home equity and emergency cash. Expected yearly savings until retirement $Your average new savings while working; don't count investment growth. Expected yearly spending in retirement $Before a rough tax and healthcare allowance.

How this quick estimate works

The estimate uses steady 3%–5% annual returns after inflation, level spending, and an illustrative extra 15% for taxes and healthcare through age 100. Your actual costs could be much higher. It does not account for Social Security, pensions, debt or your individual healthcare costs.

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Your picture

All amounts are USD in today’s dollars. Taxes and healthcare are added separately.

You can enter money values with 100K or 100,000 formats.

Spending & saving frequency

Current age How cautious should your FIRE plan be?Plan for your money to last through age 100. Percentages reflect historical tests, not guarantees. Expected yearly spending in retirement $Include housing; exclude income taxes and healthcare. Expected yearly savings until retirement $Average new money saved while working, after costs. Modeled as brokerage savings.

1. Your investments Balances & early access

Cash reserve $ Brokerage balance $ Brokerage cost basis $ Traditional retirement accounts $ Roth balance $ Roth contribution basis $ First Roth contribution year Other investments & assets · optional $Estimated cash after selling costs, debt and taxes. Only count assets you plan to sell.

I have remaining Roth conversion funds

2. Homes & inheritance Optional what-ifs

Keep future possibilities separate from your independent plan. Home equity is not spendable until a specific sale or move releases cash.

No homes added. Renting is included in your lifestyle spending.

Explore an inheritance assumption

4. Other retirement income Optional income sources

Include pension, rental, business or other income

5. Household & healthcare Review before calculating

Filing status Household size Adults to include in healthcare planningUsed for Medicare and family coverage estimates. Household size also includes children. Retirement state · optionalA state refines healthcare and income-tax estimates. Blank uses national healthcare and a disclosed provisional tax allowance. Coverage before 65 Could you get Marketplace premium help, apart from income? We check income each year. Choose “No” only if another rule rules you out; “I’m not sure” plans without a credit. Annual plan premium $Optional for Marketplace coverage: enter your full annual plan price before credits if known. Otherwise we use the state average shown below. Annual out-of-pocket care $

Healthcare at 65+ · automatic estimate

The national Medicare estimate loads automatically; a state refines it.

Use my own 65+ healthcare estimate

A state average benchmark helps estimate ACA credits for planning. At 65+, a blank field uses a state-based Medicare baseline.

A benchmark estimate does not confirm eligibility. “Fixed coverage cost” lets you compare a plan without ACA credits.

Income used for Medicare · optional

Higher income can increase Medicare premiums two years later. If known, enter your tax return’s adjusted gross income plus tax-exempt interest (MAGI), in that year’s dollars. Unknown income means no extra charge is estimated for those years. One entered amount is used for missing earlier and working years; modeled retirement income replaces it as the plan progresses.

Prior year MAGI $Two years ago MAGI $

6. Spending changes Optional life stages

Enter a new total annual lifestyle spending amount in today’s dollars from each age. This replaces the base spending amount at that age; separate housing change assumptions still apply.

7. Assumptions Markets & taxes

Historical return reference

Choose an annually rebalanced U.S. stock/Treasury mix from 1928–2024. The calculator always uses the selected reference.

Portfolio reference

These set growth assumptions, not your actual allocation or bond-interest tax treatment. History is not a forecast. The same illustrative downturn test applies to all. Returns source · Inflation source.

Nominal annual return % Annual inflation % Minimum cash reserve $ State + local tax rate · manual %Choose a retirement state to use the state tax calculation. If you leave the state blank, enter your estimated effective rate.

Choose a retirement state to calculate estimated state income tax from modeled annual income and the state bracket matrix. Local taxes are not included.

Fixed in this release: 1.5% taxable dividend yield, 90% qualified-dividend share, 2% cash return, and tax thresholds growing with inflation. Every returned assumption appears with your result.

Save this plan

Optional. Your numbers stay in this browser; nothing is saved until you choose to save.

Plan name · optionalLeave blank to use a simple name. You can change it later.

A CLEARER PICTURE, NOT A PROMISE

What could your next chapter look like?

Start with your picture.

We will only show a retirement date after the engine has tested it against the facts and assumptions you supplied.

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Your retirement confidence options

Cautious · 95%—

More cautious · 99%—

What do these percentages mean?

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Annual lifestyle—Plus modeled tax and healthcare costs

What matters most

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Explore changes

Run saving, spending, and part-time income changes separately through the full planner. Dates are comparisons, not promises that combine.

Your plan, with and without the what-ifs

Your savings over time

Today—

At retirement—

At age 100—

Explore an age

Compare withdrawal strategies

These external guides explain the ideas behind each approach, not RapidFIRE’s exact calculations.

Year-by-year money details

Year / age	Net event cash	Withdrawn / invested	Social Security	Other income / taxable	Realized gains	Roth conversion	RMD / reinvested	ACA MAGI	Federal / state tax	Healthcare / credit	Medicare IRMAA / income lookback	Unfunded need

Coverage and limitations

Calculation details

Rules and sources

Educational planning only, not tax, investment, or legal advice. Engine sources and rule dates appear with the returned plan.