Early Retirement Calculators
Free calculators and planning tools for people building a bridge to early retirement. No account required.
Start Here
New to BridgeToRetired? Run these three tools in order for a complete picture of your early retirement plan.
Find Your FIRE Number
Start here. Calculate exactly how much you need — with bridge years, healthcare, and Social Security built in. Goes beyond the simple 25x rule.
Model Your Bridge Plan
See how your taxable, 401(k), and Roth accounts work together year-by-year from retirement to age 90. Find out if your bridge is funded.
Optimize Withdrawal Order
Find the tax-optimal sequence for drawing from each account. See how the wrong order can cost hundreds of thousands over a lifetime.
Bridge Strategy Calculator
Model your year-by-year withdrawal plan from retirement to age 90. See exactly how taxable, 401(k), and Roth accounts work together across the bridge years.
FIRE Number Calculator
Calculate exactly how much you need to retire early. Includes bridge years, healthcare costs, Social Security, and a sequence risk buffer beyond the simple 4% rule.
Withdrawal Order Optimizer
Find the tax-optimal order to draw from taxable, Roth, and traditional accounts in retirement. Minimize lifetime taxes across your entire retirement horizon.
Roth Conversion Ladder
Plan your Roth conversion strategy to minimize taxes and build penalty-free access before 59½. See the unlock schedule and tax cost by year.
72(t) SEPP Calculator
Calculate penalty-free early distributions from your IRA or 401(k) using all three IRS-approved methods. See the modification risk and full payment schedule.
ACA Subsidy Estimator
Estimate your 2026 Marketplace health insurance premium and subsidy eligibility. See exactly how income affects your monthly cost and the 400% FPL cliff.
Social Security Timing Calculator
Compare claiming Social Security at 62, 67, or 70. See the break-even age, lifetime benefit totals, and how timing affects your portfolio longevity.
Sequence of Returns Simulator
See how a market crash in year one destroys portfolios that a crash in year twenty would survive. Model the timing risk that threatens early retirement most.
Hourly to Annual Salary Calculator
Convert your hourly wage to an annual salary and see what it means for your early retirement timeline. Includes FIRE estimate and years-to-retirement projection.
72(t) vs Roth Ladder Comparison
Compare 72(t) SEPP and the Roth conversion ladder side by side. Model income, tax cost, flexibility, and gap risk to find the right strategy for your situation.
CoastFIRE Calculator
Find how much you need saved today so compounding alone reaches your FIRE number. See exactly when you can stop contributing and coast to retirement.
Bridge Health Check
Is your early retirement bridge funded? Get an instant score — Stable, Moderate Risk, or Fragile — with your biggest weakness and how to fix it.
Early Retirement Age Calculator
Find your earliest possible retirement age based on your current portfolio, contributions, and spending. See your FIRE number and bridge requirements instantly.
Taxable Brokerage Gap Calculator
Find out exactly how much you need in your taxable account to fund early retirement before 59½. See your bridge gap and the fastest ways to close it.
Retirement Readiness Score
Get your personalized score across 5 dimensions: portfolio funding, bridge years, SS timing, healthcare buffer, and account mix. See exactly what to fix.
Unlock the full planning suite
Get your Bridge Risk Score, save scenarios, compare strategies side-by-side, and access the complete year-by-year plan across every tool.
See Pro Plans →