BridgeToFI

EARLY RETIREMENT BRIDGE CALCULATOR

Core Settings

Current Age

Retire Age

Plan Until

Monthly Spending

Used for all phases unless customized below

Expiring Expenses

Car loan, mortgage, tuition ending

Spending Phases

Different spending for early vs. late retirement

Inflation Rate

Spending increases yearly by this rate

Annual Growth Rates

Market

Cash

Crypto

Tax Rates

Income Tax

Cap Gains

Tax Phases

Different tax rates per life stage

Income SourcesOptional

Add Partner/Spouse

Different retirement age & SS benefit

Continued Employment

Pension Income

Social Security

Advanced Options

Strategy Tools

One Time Events Inheritance, home sale, windfall

Early Access Rules

Rule of 55

SEPP/72(t)

Model RMDs

Roth Conversion Ladder Move 401k→Roth while taxes are low

Healthcare

Pre-Medicare CostsInsurance until age 65

Market Scenario

Pessimistic

4% returns

Moderate

7% returns

Optimistic

10% returns

Monte Carlo

Bridge Secure

Liquid funds last until 59½

Today's Net Worth

$0 accessible

At Retirement

Age 52

Withdraw Rate

At retirement

What If: Contribution Shift Redirect from 401k, IRA, etc. to taxable brokerage

Wealth Projection

P1 Empty = Bridge funds depleted (need P2) P2 Empty = Reserve funds depleted (need P3) Age 59½ = P3 accounts unlock

Withdrawal Rate Over Time

At Retirement

--%

After SS Starts

--%

Lifetime Avg

--%

FIRE Metrics

Today's $

FI Number

25× annual spending

FI Progress

$0 of $0

Coast FIRE

Stop saving, still retire

Withdrawal Rate

at retirement

Smart Insights Live

Portfolio Mix

P1 P2 P3

Sort:

P1 BRIDGE

P2 RESERVE

P3 LOCKED

TOTAL

Account Name	Balance	After-Tax	Monthly	Actions

Privacy & Terms

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Your Email (optional)

Your Early Retirement Timeline

RETIRE

Age 45-55

59½

P3 Unlocks

← P1 + P2 cover this "bridge" period →

P1 Bridge Accounts SPEND FIRST

Taxable brokerage, savings, cash. No penalties, no age restrictions. Your runway to 59½.

P2 Reserve Accounts BACKUP

Roth IRA, HSA. Contributions accessible anytime. Gains locked until 59½.

P3 Locked Accounts UNTIL 59½

401k, Traditional IRA. 10% penalty if withdrawn early. Let these grow until you need them.

The Goal: Build enough in P1 + P2 to cover your expenses from retirement until 59½. Then your P3 unlocks penalty-free!

Legend: Early Retired Full Access Reserve Tap Depleted

Roth Contributions Basis

Contributions can be withdrawn penalty-free before 59½

P1 - BRIDGE

Spend first • Liquid assets

P2 - RESERVE

Roth/HSA • Contributions accessible

P3 - LOCKED

401k/IRA • Access at 59½

Accounts — Always included

Core Settings — Ages, spending, rates

Income Sources — SS, Pension, Employment, Partner

Tax Settings — Tax phases & rates

Strategy Options — Rule 55, SEPP, RMD, Roth Ladder

Events — One-time windfalls, expiring expenses

Current Age

Retirement Age

Starting Balance

Monthly Contribution

Annual Return

S&P 500 historical avg: 10-12%

Estimated Retirement Savings

in 0 years

INITIAL

CONTRIBUTIONS

GROWTH

Annual Return Rate

Years to Double

10.3

72 ÷ 7% = 10.3 years

Quick Reference:

4% → 18yr

6% → 12yr

8% → 9yr

10% → 7yr

Annual Spending

Or use monthly below

Your FIRE Number

$1,500,000

$60,000 × 25 = $1,500,000

Standard (4%)

$1.5M

Fat FIRE (5%)

$1.2M

Today's Value

$100,000

Future Purchasing Power

$55,368

-44.6% purchasing power lost

To maintain value: You'd need $180,611 in 20 years to have the same purchasing power as $100,000 today.

Gross Monthly Income

Monthly Savings

401k + IRA + brokerage + all savings

Your Savings Rate

25%

Great progress toward FIRE!

Years to FIRE by Savings Rate:

10%

51 yr

25%

32 yr

50%

17 yr

70%

8 yr

80%

5 yr

Assumes 5% real returns, starting from $0

BridgeToFI

Bridge Secure

Wealth Projection

Withdrawal Rate Over Time

FIRE Metrics

The Bridge Strategy

Privacy & Terms

Privacy Policy

Terms of Use

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Year-by-Year Projection

Add Account

Edit Account

Edit Account

Portfolio Details

Save Your Plan

Investment Calculator

Rule of 72

FIRE Number Calculator

Inflation Impact

Savings Rate Calculator