FIRE Planner

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Timeline

Your three key ages

▼

Current Age

40 yrs

2260

Include semi-retirement phase

Work part-time before fully retiring — funded by a bridge fund

Semi-Retirement Age stop full-time work

55 yrs

3075

Full Retirement Age 401k & Roth unlock

62 yrs

3575

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Current Savings

What you have invested today

▼

401k Balance

Roth IRA Balance

Bridge Fund Balance taxable brokerage

Lump sum already in bridge fund brokerage (funds semi-retirement gap)

Permanent Corpus Balance separate brokerage

Lump sum already set aside for full retirement (separate from 401k/Roth)

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Spending Goals

Monthly spend in each retirement phase

▼

Monthly Spend During Semi-Retirement

$1k$20k

Drawn from bridge fund until full retirement

Monthly Spend During Full Retirement from age 62

$5k$25k

Inflation-adjusted 2.5%/yr

Adjust for inflation

%/yr

Withdrawals grow each year to maintain purchasing power

⚠ Bridge fund runs short before full retirement. Increase the contribution or reduce monthly spend.

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Contributions & Returns

Annual contributions and assumed growth rates

▼

Annual 401k Contribution

$23,000

$0$35k

Max $23k/yr (+$7.5k catch-up at 50)

Annual Roth IRA Contribution

$7,500

$0$10k

Max $7k/yr (+$1k catch-up at 50)

Return — 401k & Roth (Accumulation)

7.0%

2%12%

Bridge — Building

7.0%

2%12%

Bridge — Spending

4.0%

2%10%

Corpus — Building

7.0%

2%12%

Permanent corpus during accumulation & bridge

Corpus — Retirement

5.0%

2%10%

All accounts post full retirement

Now

Accumulating

15 yrs

Semi-Retire

Bridge phase

7 yrs

Full Retire

401k & Roth

38 yrs

100

Horizon

End of projection

Bridge Fund Needed

—

at semi-retirement

401k + Roth at Full Retire

—

tax-advantaged

4% Corpus Target

—

for chosen spend

Total Wealth at 90

—

all accounts

Monthly Contributions

Calculated to exactly fund each withdrawal phase — adjust sliders to see impact. Both stop at semi-retirement (age 55).

Bridge Fund — Semi to Full Retirement

Calculated: —

—

/month into taxable brokerage

$0$10k

Corpus needed at semi-retirement—

Less initial investment—

Years to contribute—

Disbursement return assumed—

Permanent Corpus — Full Retirement to Age 100

Calculated: —

—

/month into permanent retirement brokerage

$0$15k

Corpus needed at full retirement—

Covered by 401k + Roth—

Gap to fill from brokerage—

Less initial permanent corpus—

Sustainable Withdrawal — 4% Rule

Trinity Study — historically safe across all 30+ year periods

—

Maximum safe monthly withdrawal from your projected full-retirement corpus

corpus × 4% ÷ 12

Corpus at full retirement—

Safe annual draw (4%)—

Your monthly spend

—

4% safe max

—

Portfolio Projection

Age 40 to 100 · shaded band = entry into semi-retirement

Bridge

Permanent

401k

Roth

▲ Entry into semi-retirement at age 55

Snapshot at Each Phase

⚡ Year Before Semi-Retirement

Portfolio peak at age 54 — last full accumulation year

Total Portfolio—

Bridge Fund—

Permanent Corpus—

401k—

Roth IRA—

Now · 40

—

Bridge—

Permanent—

401k—

Roth—

Semi · 55

—

Bridge—

Permanent—

401k—

Roth—

Full · 62

—

Bridge—

Permanent—

401k—

Roth—

Age 90

—

Bridge—

Permanent—

401k—

Roth—

Year-by-Year Projection

All account balances from current age to 100

Age	Phase	Bridge	Permanent	401k	Roth	Total	Withdrawal/yr

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For illustrative purposes only — not financial advice. Consult a fee-only CFP.