Financial Freedom Calculator

Everything in today's money (real terms) — enter inflation-adjusted returns and no separate inflation input is needed.

Profile

Net worth

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Invested portfolio

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Savings rate

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Monthly burn

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Expenses covered by assets

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Years to independence

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Freedom score

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The ladder — where you are

Stages follow the common solvency → stability → debt freedom → security → coasting → independence progression. Each one is checked against your own numbers from the other tabs.

Health checks

Where your money is

Bucket	Today	Share	Notes

Accounts — balances & annual contributions

Account	Tax treatment	Current balance	Contribution / yr	Count toward FIRE	At retirement
Counted total
All rows

Unchecked rows still count toward net worth but are excluded from the coast/FIRE math. Bank cash and insurance cash value are excluded by default.

Contribution limit & emergency fund checks 2026 IRS limits

You

Current age

Retirement age

Current annual salary (gross)

Drives your 401(k) percentages, the match, and your savings rate.

Employer match — tiered

Currency symbol

HSA coverage

Emergency fund (months)

Assumptions

Real return, pre-retirement (%)

Real return, in retirement (%)

Safe withdrawal rate (%)

Contribution timing

Taxes & rules

Ordinary rate on pre-tax (%)

Capital gains rate (%)

Filing status Current MAGI (for Roth IRA eligibility) Brokerage cost basis today Withdrawable Roth contribution basis

Direct Roth IRA contributions — usable in an early-retirement bridge.

Your goal

Set the target by Planned retirement portfolio (today's money)

Spending tiers (per year, today's money)

Lean Regular (primary) Fat

Retirement drawdown

Plan to age Use my Social Security estimate as other income Other income (per year) …starting at age

Withdrawal order: taxable → pre-tax (grossed up) → Roth/HSA.

FIRE number

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Coast FIRE number today

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Coast FIRE reached at

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Full FIRE reached at

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Portfolio at retirement

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Money lasts until

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Portfolio projection

Keep contributing Coast from today FIRE number

FIRE tiers

Tier	Annual spend	FIRE number	Coast # today	Coast age	FIRE age

Coast number by age

Age	Coast number needed	Projected balance	Surplus / gap

Retirement drawdown by tax bucket

Age	Spend need	Other income	RMD	Tax + penalty	Taxable	Pre-tax	Roth / HSA	Total

How the math works & what it ignores

FIRE number = annual spending ÷ withdrawal rate (or your own target).
Coast number at age a = FIRE number ÷ (1 + r)^{(retirement age − a)}.
Drawdown each year: any RMD first, then taxable (taxing only the gain share), then pre-tax grossed up for tax plus a 10% penalty before 59½, then Roth/HSA.
Ignored: progressive brackets, the 0% long-term gains bracket, state tax, NIIT, IRMAA, Roth conversion ladders, ACA subsidies, Social Security taxation, salary growth, and sequence-of-returns risk.

Your benefit

Estimate from Monthly benefit at full retirement age (PIA)

Birth year

Claiming age Live to age (for lifetime totals)

Everything is in today's money, so the annual COLA is already accounted for.

Notes

Claiming early permanently reduces the benefit: 5/9 of 1% per month for the first 36 months before full retirement age, then 5/12 of 1% per month beyond that. Delaying past full retirement age adds 2/3 of 1% per month — 8% a year — up to age 70. There is no credit for waiting past 70.

Not modelled: the earnings test if you claim early while still working, spousal and survivor benefits, and federal taxation of up to 85% of benefits.

Full retirement age

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Monthly at your claim age

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Annual at your claim age

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Lifetime total

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Best claim age

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Breakeven vs claiming at 62

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Every claiming age

Claim age	% of PIA	Monthly	Annual	Total by 90	Breakeven vs 62

Lifetime totals are undiscounted sums in today's money. Discounting future payments at your real return would shift the balance toward claiming earlier; living longer than average shifts it toward waiting.

Cumulative benefits by age

Claim at 62 Claim at full retirement age Claim at 70

Your debts

Debt	Balance	APR %	Minimum / mo	Mortgage	Payoff order
Total

Tick "Mortgage" to keep a debt out of the payoff strategies and into the mortgage line of the insurance calculation.

Payoff plan

Extra payment per month (above minimums) Strategy

Avalanche costs less; snowball gives quicker wins and people stick to it more often. The comparison below shows the gap for your numbers.

Term life insurance (DIME)

Annual income to replace Years of income replacement

Commonly 7–10 years, or until your youngest child is independent.

Children

Education / child

Final expenses

Funeral, medical, estate settlement.

Existing life cover in force Liquid assets available to survivors

Leave at 0 to keep the portfolio earmarked for retirement rather than spending it down.

Age of youngest child

Total debt

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Debt-free in

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Interest you will pay

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Debt-to-income

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Life cover needed

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Coverage gap

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Checks

Avalanche vs snowball

Strategy	Debt-free in	Total interest	Difference

Both assume you keep paying the same total each month as balances clear — the freed-up minimum rolls onto the next debt.

The DIME breakdown

Component	Amount	What it covers

How much term, and for how long

Educational tool, not financial, tax, insurance, or legal advice. IRS figures are the 2026 limits (Notice 2025-67, Rev. Proc. 2025-19); Social Security rules follow SSA's published reduction and delayed-credit formulas.