Free Tools
Early retirement introduces a set of financial interactions that generic calculators don't handle. These tools are built specifically for the ACA-Roth-IRMAA optimization problem that every FatFIRE person faces before Medicare age.
All calculations run in your browser. No data is sent to our servers. No account required.
Retirement Planning
Monte Carlo simulation with 1,000 runs, Guyton-Klinger variable spending guardrails, account-level withdrawal sequencing, Roth conversion modeling, and community benchmarks. The withdrawal rate calculator built for early retirees.
Healthcare
See exactly how Roth conversions affect your ACA premium tax credit. Identify your optimal conversion amount, visualize your MAGI vs. the 400% FPL cliff, and check IRMAA Medicare surcharges.
Tax Strategy
Plan your 5-year Roth conversion ladder while tracking ACA subsidy impact across multiple years. Coming as part of FatFire Compass.
Healthcare
The first independent, national comparison database for concierge medicine and executive health programs, Direct Primary Care, Mayo Clinic, Cleveland Clinic, and more.
More tools are in development as part of the FatFire Wealth Operating System. Join the waitlist to be notified when new tools launch.
Why We Built These
Most retirement calculators are built for people still accumulating: save more, spend less, retire at 65. They don't model the ACA-Roth interaction. They don't warn you when a Roth conversion will cost you $12,000 in lost subsidies. They don't show the IRMAA bracket you'll hit in two years.
FatFIRE people are typically retiring 10–30 years before Medicare eligibility. The healthcare bridge, managing income carefully enough to preserve ACA subsidies while converting Traditional IRA money to Roth, is one of the highest-leverage financial decisions of early retirement. One well-placed conversion can save $50,000 in lifetime taxes. One poorly-timed conversion can cost $15,000 in lost subsidies in a single year.
The math that matters
$8,000–$20,000+
Annual subsidy lost by crossing the 400% FPL cliff
$50,000+
Lifetime tax savings from optimal Roth conversion strategy
2 years
Medicare's IRMAA lookback, conversions today affect costs in 2028
FatFire members access Compass, multi-year coordinated tax, ACA, IRMAA, and Social Security optimization, plus vetted CPAs who specialize in early retirement decumulation.