Retirement readiness, computed honestly
Are you ready to be Financially Independent and Retire Early? Let's find out.
A retirement calculator you can actually trust.
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Three horizons, one engine
- Nowcast — what you hold today, at tax-lot granularity, and what you would actually keep after converting it to cash.
- Nearcast — vesting, known bonuses, income with an end date, and the one-off cash flows in between.
- Forecast — a Monte Carlo projection, and the earliest age at which retiring still works.
Run detailed scenario analysis
Describe what your household is weighing in plain language. firedrill translates it into an exact change to your income and spending pathways — so you see the true trade-off you would be making, not the one you assumed.
Take a career pause Two years out at 41. What it costs, and how far it moves the date.
Buy a bigger house Keep the one you have, or trade up. Both plotted side by side.
Move to a different state Same portfolio, a different tax code. Compare before you sign anything.
Includes detailed state and city taxes
Washington, California, New York, Connecticut. Each modeled on its own rules rather than a flat percentage bolted onto the federal number. Washington's capital-gains tier alone can change the shape of a large realization — and whether you should take it at all.
Built for the parts that break other calculators
The house you'll buy Every part of the transaction: broker fee on the sale, the §121 exclusion, the new mortgage, and what the property-tax reset does to your SALT deduction.
Startup equity, through the IPO ISOs, NSOs and RSU schedules, the lockup, and what exercising costs in the year you actually do it.
Retiring at 52 When the balance is real but locked until 59½, the bridge is the entire problem.
Two kids, four years apart Overlapping college costs, landing in the years you are least liquid.
The conversion window The years between your last paycheck and your first RMD, when Roth conversions are nearly free.
Trump Accounts Alongside 529s, HSAs, and the rest of the alphabet, each with its own withdrawal ordering.