The tools
Crunch your numbers
Our suite of calculators gives you an instant summary of your financial situation to help you position yourself on the path to financial independence.
Tool 01
FI Retirement Calculator
Based on the 4% rule and classic FIRE math, this calculator turns your spending, savings and current portfolio into a personalized years-to-freedom timeline.
- FI number = annual spending × 25
- Years to FI modeled at 5% real returns
- Raises automatically with inflation as your income grows
Your FI number
$1,000,000
Savings rate
38%
Years to FIRE
21 yrs
Estimates use the classic FIRE formula (portfolio compounding at your chosen real return until it reaches 25× spending). For illustration only — not financial advice.
You contribute
$130,000
Growth earned
$170,851
Final balance
$300,851
Assumes monthly compounding and consistent contributions. Market returns are never guaranteed — this shows the power of compounding, not a promise.
Tool 02
Compound Interest Calculator
Einstein reportedly called compound interest the eighth wonder of the world. See why: small, consistent contributions turn into life-changing sums over a FIRE timeline.
Tool 03
Retirement Withdrawal Calculator
Entering retirement and wondering how long your nest egg will last? This calculator models year-by-year withdrawals against portfolio growth so you can see exactly when the money runs out — or if it never does.
- Portfolio longevity — see how many years your money lasts
- Inflation-adjusted withdrawals — model rising costs over time
- Compare 4% rule vs. custom withdrawal scenarios
Money lasts
100+ yrs
Withdrawal rate
4.0%
Total withdrawn
$24,291,509
With a $1,000,000 portfolio and $40,000 annual withdrawals (adjusted for inflation), your money is projected to last indefinitely — you can safely withdraw at this rate forever.
Assumes annual withdrawals at the start of each year, portfolio grows at your chosen real return, and withdrawals increase with inflation each year. For illustration only — not financial advice.
Tool 04
Military Pension Calculator
Estimate your monthly and annual U.S. military retirement pension based on your retirement system, military service, and retirement pay base.
Select your military component to begin.
Estimated Monthly Military Pension
—
/ month
Estimated Annual Military Pension
—
/ year
- Creditable Service
- —
- Retirement Multiplier
- —
- Monthly Retired Pay Base
- —
- Estimated Annual Pension
- —
How to Use the Military Pension Calculator
1. Select Your Military Component
Choose Active Duty if you are calculating a regular active-duty retirement.
Choose National Guard / Reserve if you are calculating a non-regular Reserve Component retirement.
2. Select Your Retirement System
Choose the retirement system that applies to your military service.
Final Pay generally applies to service members whose initial entry into military service was before September 8, 1980.
High-3 / High-36 generally applies to legacy retirement system members whose initial entry into military service was on or after September 8, 1980.
BRS is the Blended Retirement System. It generally applies to members who first entered military service on or after January 1, 2018, as well as eligible members who elected to opt into BRS.
CSB / REDUX applies only to certain Active Duty members who elected the Career Status Bonus/REDUX retirement option.
3. Enter Your Military Service
Active Duty members should enter their creditable years and months of service.
National Guard and Reserve members should enter their total creditable retirement points.
The calculator converts Reserve retirement points into equivalent years by dividing points by 360.
4. Enter Your Retirement Pay Base
For High-3/High-36 and BRS, enter your estimated average monthly basic pay for your highest 36 months.
For Final Pay, enter your final monthly basic pay.
Only use BASIC PAY. Do not include:
- BAH
- BAS
- Bonuses
- Special Duty Pay
- Hazardous Duty Pay
- Other military allowances
5. Review Your Estimate
The calculator will display your estimated gross monthly pension, annual pension, creditable service and retirement multiplier.
Military Retirement Calculator Disclaimer
This calculator is provided for educational and retirement-planning purposes only. It provides an estimate of potential gross military retired pay and is not an official Department of Defense, DFAS, Department of Veterans Affairs, or U.S. government calculation.
Actual military retired pay may differ because of exact service dates, retirement points, pay history, retirement system, disability retirement provisions, Survivor Benefit Plan elections, taxes, VA disability compensation, concurrent receipt rules, COLA adjustments, REDUX provisions, applicable laws, and other individual circumstances.
National Guard and Reserve members may also have different retirement eligibility dates. Reserve retired pay generally begins at age 60, although qualifying active service may reduce the retirement age in certain circumstances.
Users should verify their retirement information with their military branch, DFAS, or an official Department of Defense retirement calculator before making financial decisions.
Now that you've seen your timeline…
The next step is tracking your money and learning the playbook. Start with our foundational reading, then put a plan in motion.
Tool 05
Social Security Life Expectancy Calculator
Estimate how long you may live, compare claiming at 62, 67, and 70, and see which age could pay the greatest lifetime total. Includes an interactive lifetime-benefits chart and a Social Security break-even calculator.