Retirement planning that works on your timeline
Whether you're targeting financial independence at 45 or a traditional retirement at 65, fidser. models it all — healthcare gaps, bridge-year withdrawals, multi-decade horizons, and the tax strategies that make early retirement work.
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Why most calculators break for early retirees
Plug “retire at 45” into a traditional retirement calculator and watch it fall apart.
They stop at 30 years
fidser. models through age 110
They ignore the healthcare gap
fidser. models ACA subsidies, Medicare transitions, and IRMAA surcharges
They don't model early withdrawal penalties
fidser. handles 59.5 age thresholds, Rule of 55, and Roth ladder implications
They assume Social Security starts immediately
fidser. models claiming at any age from 62–70 with breakeven analysis
What fidser. models for early retirees
See it in action
Example Scenario A
Software Engineer, Age 38
Wants to retire at 45
Example Scenario B
Couple, Ages 42 & 40
Targeting FI at 50, relocating from CA to CO
Example scenarios with illustrative data. Actual results will vary based on your specific inputs and assumptions. This is not financial advice.
Questions about FIRE & early retirement planning
Can fidser. model Coast FIRE or Barista FIRE?
fidser. models any retirement timeline, including scenarios where you reduce income before fully retiring. You can set up what-if scenarios with reduced wages, part-time income, or phased retirement. While we don't label these as specific FIRE variants, the engine supports the underlying math.
How far out can fidser. project?
Through age 110. Whether you're planning a 20-year or a 60-year retirement, the engine adapts.
Does fidser. handle the healthcare gap before Medicare?
Yes. fidser. models ACA marketplace subsidies based on your projected income (MAGI), Medicare enrollment at 65, and IRMAA surcharges for higher earners.
Can I model Roth conversion ladders?
You can model specific Roth conversion amounts as scenario modifications and see the year-by-year tax impact. The engine calculates pro-rata taxes on traditional-to-Roth conversions.
Is fidser. only for FIRE?
No. fidser. is built for anyone planning retirement — traditional or early. The same engine that models a 30-year retirement at 65 handles a 50-year retirement at 45.
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