2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for United States
A FIRE calculator built on US inflation, your 401(k) and Social Security401(k) · 403(b) · IRA · Roth IRA · HSA · Social Security · Medicare · rule of 55 · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, year by year in US dollars, with US inflation, a separate medical cost rate and your 401(k), IRA and HSA balances. It is free: eight answers after sign-up, about two minutes, and the projection runs to life expectancy.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in USD
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for United States, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in USD ($), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the Federal Reserve Survey of Consumer Finances, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
United States · the rates your plan starts from
The United States rates every plan projects with.
A plan for United States starts from these, in USD. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
4.5%
Education inflation
School and university fees, which rise faster than everyday prices.
9.2%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7.5%
Return while you work
An assumption, not a forecast — shown so you can change it.
4.5%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · United States schemes in one plan
401(k) / 403(b), Traditional / Roth IRA, HSA — rows in your plan from the start.
- 401(k) / 403(b) — Workplace retirement account funded from payroll, usually with an employer match.
- Traditional / Roth IRA — An account you open yourself; Traditional is taxed when you withdraw, Roth when you pay in.
- HSA — Health Savings Account: tax-advantaged medical savings that can double as retirement money after 65.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
United States · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
401(k) and IRA money can be taken without the 10% additional tax from age 59½; leaving an employer after age 55 frees that employer’s plan sooner.
Access age 2
Social Security retirement benefits can start at 62, reduced to 70% of the full amount for anyone born in 1960 or later, whose full retirement age is 67.
Access age 3
Medicare begins at 65, so health cover before then is yours to fund.
FIRE Planner · United States
What your United States FIRE plan has to get right.
The years between stopping and 59½ are the hard part of an American FIRE plan. Money outside retirement accounts carries them, or the age-55 exception for the plan of the employer you leave. Nivritee’s ledger shows every one of those years, so a gap is visible before it arrives.
Health cover is the other bridge: Medicare starts at 65. Nivritee grows medical costs at their own rate rather than general inflation — insurers in WTW’s survey project a 10.3% global medical cost trend for 2026.
Claiming Social Security at 62 pays 70% of the full benefit for anyone born in 1960 or later. Add the amount you expect as income that continues after you stop working, and the FI number nets it off what your savings must cover.
Your peer percentile compares your household’s net worth with US households of your age in the Federal Reserve’s Survey of Consumer Finances, aged forward from its survey year.
Why Nivritee for United States
The FIRE Planner, joined to everything else your household runs.
Your United States plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator United States · questions
FIRE in United States: questions people ask.
How much do I need to retire early in the US?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses the same 4% withdrawal rate on your own spending, allows for tax on withdrawals, adds your goals and nets off income that keeps paying. Your figure depends on what you spend, when you stop and what still comes in.
When can I take money from my 401(k) without a penalty?
From age 59½ the 10% additional tax no longer applies, and if you leave an employer after age 55 that employer’s plan can be drawn without it. Ordinary income tax still applies to Traditional balances.
Is Social Security part of a FIRE projection?
It should be. Benefits can start at 62 at 70% of the full amount, or in full at 67 for anyone born in 1960 or later. In Nivritee you add it as income that continues after you stop, and the projection and the FI number both count it.
Is there a free FIRE calculator for the US?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year with US inflation, medical cost growth and your 401(k), IRA and HSA balances. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how you compare with US households of your age.
Find your FI number for United States.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free