FIREsim — Financial Independence Calculator

Your Finances and Expenses

Personal

Birth month

Birth year

Age: calculating...

Income & taxes

Annual salary ($)

Salary growth (%/yr)

Effective tax rate (%)

Capital gains tax (%)

Taxable accounts

Cash & brokerage — accessible before retirement account unlock

Cash (HYSA) ($)

Cash (HYSA) growth (%/yr)

Cash-first withdrawals

When on, draw HYSA before 401k/brokerage for a set window after FI

Brokerage ($)

Brokerage return (%/yr)

Other investments / assets ($)

Pooled with brokerage

Surplus → Cash (HYSA) (%)

While working: % of surplus to cash; remainder to brokerage

Retirement accounts

401k/Traditional IRA & Roth IRA — tax-advantaged; unlock at age below

401k/Traditional IRA ($)

401k/Traditional IRA unlock age

401k/Traditional IRA contribution/yr ($)

Company match (% of salary)

While working only

Roth IRA ($)

Roth IRA unlock age

Roth IRA contribution/yr ($)

Retirement account growth (%/yr)

Applies to all retirement accounts

HSA & health

HSA balance ($)

HSA growth rate (%/yr)

Annual HSA contribution ($)

Monthly health premium ($)

ACA premium/mo ($)

ACA start age

Employer coverage ends

ACA end age

Medicare at 65

Housing

Home value ($)

Mortgage balance ($)

Mortgage pmt/mo ($)

Months remaining

Insurance + tax/yr ($)

Home appreciation (%/yr)

Living expenses

Monthly core expenses ($)

Annual discretionary ($)

Annual medical ($)

Medical inflation (%/yr)

Annual auto ($)

Annual vacation ($)

Children

529 growth rate (%/yr)

College cost inflation (%/yr)

Passive income streams

Model assumptions

Inflation (%/yr)

Safe withdrawal rate (%)

Simulation horizon (yrs)

Min liquid floor at 401k age (%)

Cash + brokerage ≥ this % of starting liquid at 401k unlock

When will you reach financial independence?

Enter your numbers on the left and watch your FI age update live. Pay once to unlock the full simulation, dashboard, and charts.

Current age

—

FI age

—

FI point

—

Years away

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Status

Enter inputs

Phase 1: FI → 401k unlock (cash + brokerage) · Phase 2: after unlock (adds 401k/IRA)

SORR Stress Test

Shock returns yr 1–3 (%)

FIRE target

—

expenses ÷ SWR

Portfolio at FI

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cash + brokerage

Net worth today

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incl 529 + HSA

Year	Age	AT income	Expenses	Brokerage	401k	FI?
2026	45.75	$38,728	$29,150	$890,578	$1,127,000	—
2027	46	$155,163	$119,072	$1,005,143	$1,219,020	—

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