FIRESIM.app

BETA

Financial Independence Retire Early Simulation

Inflation Adjusted

NET WORTH

$0

Simulating...

Monthly Salary

Annual Contributions by Account

Annual Investment Returns by Account

Annual Investment Returns by Asset Class

Annual Expense Coverage by Account

Annual Taxes Paid

Core Inputs

Budget check pending...

Current Year Current Age Simulate Until info Retirement Length (years) info Spending Decrease in Retirement % info

Income

Annual Gross Income info

Tax-Deferred % (gross) info Tax-Deferred $

Roth % (post-tax) info Roth $

Taxable % (post-tax) info Taxable $

Savings

Taxable Account

Stock Balance Bond Balance Stock Cost Basis info

Target Stock Allocation % info Rebalance Monthly info

Tax-Deferred Account

Stock Balance Bond Balance

Target Stock Allocation % Rebalance Monthly info

Roth Account

Stock Balance Bond Balance

Target Stock Allocation % Rebalance Monthly info

Career Events info

Simulate Layoffs Simulate New Jobs Simulate Raises Simulate Promotions

Normal Raise

Annual raise when staying at the same job. Always positive.

Typical Raise % info Variability % info Min Raise % Max Raise %

Promotion

Larger salary bump from a promotion. Cannot happen within 12 months of a new job.

Typical Raise % Variability % Min Raise % Max Raise %

New Job (While Employed)

Salary change when switching jobs voluntarily. Always a raise.

Typical Raise % Variability % Min Raise % Max Raise %

New Job (After Layoff)

Salary change when finding a job after being laid off. Can be a pay cut or raise.

Avg Change % Variability % Min Change % Max Change %

Lifestyle & Raises info

When I get a raise, invest this much: info

50%

All to spending All to investments

Investment Priority Order info

Coast Fire Settings info

Enable Coast Fire

Early Retirement Settings

Enable Early Retirement

Retire On info *Beginning of month Retire At Age info Medicare Start Age info Monthly Private Healthcare Cost info Cost before Medicare kicks in

Mortgage Settings

Enable Mortgage

Monthly Payment: --

Remaining Balance info Fixed Interest Rate % info Months Remaining info

After payoff, redirect freed payment to: info

Taxable Stocks % Taxable Stocks $

Taxable Bonds % Taxable Bonds $

Remainder stays as spending.

Tax Assumptions

Tax Brackets JSON

Capital Gains Tax Brackets JSON

Contribution Limits info

401k Annual Limit info 401k Catch-Up (50+) info Roth IRA Annual Limit info Roth IRA Catch-Up (50+) info Roth Income Phase-Out Start info Roth Income Phase-Out End info

Other Retirement Settings

Retirement Account Access Age info Social Security Claim Age info Social Security Annual Benefit at FRA info

Market Returns Settings

Expected Stock Return % info Expected Bond Return % info Expected Inflation % info Stock Return Std Dev % info Bond Return Std Dev % info Inflation Std Dev % info

Advanced

Projection Lower Percentile info Projection Upper Percentile info RMD Start Age info

RMD Uniform Lifetime Table JSON

$0

Core Inputs

Taxable Account

Tax-Deferred Account

Roth Account

Normal Raise

Promotion

New Job (While Employed)

New Job (After Layoff)

Before You Begin