Getting Started
Understanding the FIRE Movement
Learn the basics of Financial Independence, Retire Early and see if it's right for you.
Read More → PremiumDon't just calculate—simulate. Test your retirement strategy with visual tools like Tax Bracket Tetris, model real-world spending phases, and know exactly when you can safely retire.
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Inspired by the principles in "Retire Early", Plan My Retire was created to share practical retirement planning strategies and help others achieve financial independence.
Whether you're just starting your career or approaching traditional retirement age, we provide the tools, knowledge, and community support you need to take control of your financial future.
To democratize retirement planning knowledge and empower individuals to achieve financial independence through education, practical tools, and proven strategies.
Visual simulators to test your retirement strategy before you commit
Maximize your benefits while protecting ACA subsidies. The only calculator that shows the true cost of claiming early on health insurance.
Try Now Premium FeaturesThe "Tax Bracket Tetris" tool - visualize your tax brackets and see exactly how much to convert. Real-time updates show your optimal Roth conversion amount.
Try Now PremiumDiscover how moving to a lower-cost area can dramatically accelerate your retirement timeline. Compare locations and see the savings.
Try Now PremiumModel your spending phases with Go-Go, Slow-Go, and No-Go presets. See how real-world spending patterns can reduce your FIRE number by 15-25%.
Try Now PremiumCalculate when you can achieve Financial Independence and Retire Early based on your savings rate.
Try Now FreeDetermine your safe withdrawal rate and how long your retirement savings will last.
Try Now FreeThe only calculator showing HSA's triple tax advantage vs 401(k)/Roth IRA. See why HSAs are the ultimate retirement account.
Try Now FreeCalculate when you can stop saving and let compound interest do the work. Find your Coast FIRE date and the freedom that comes with it.
Try Now PremiumReal-time spending guidance using Guyton-Klinger rules. Know when to adjust withdrawals to protect your portfolio longevity.
Try Now PremiumAnalyze your portfolio allocation and get personalized recommendations.
Try Now PremiumCreate a strategy to pay off student loans while building retirement savings.
Try Now PremiumAssess your estate planning readiness with our comprehensive checklist. Ensure your legacy is protected.
Try Now FreeTrack and manage beneficiary designations across all your accounts. Stay organized and avoid costly mistakes.
Try Now PremiumCheck if your estate may be subject to federal or state estate taxes. Understand exemption thresholds and 2026 sunset.
Try Now FreeEstimate your healthcare expenses from early retirement through Medicare and beyond. The most overlooked retirement expense.
Try Now PremiumCalculate Required Minimum Distributions for your retirement accounts. Plan ahead to avoid costly 25% penalties.
Try Now PremiumGet a comprehensive assessment of your retirement preparedness across 6 key categories with personalized action plan.
Try Now PremiumOptimize your retirement withdrawals to minimize lifetime taxes. Save tens of thousands with the right strategy.
Try Now PremiumLearn the basics of Financial Independence, Retire Early and see if it's right for you.
Read More → PremiumA step-by-step guide to creating a diversified investment portfolio for early retirement.
Read More → PremiumTwo legal strategies to unlock your retirement accounts early without penalties: Roth Conversion Ladder and Rule 72(t).
Read More → PremiumWhy the first 5 years of retirement matter most. Learn to protect your portfolio from early market crashes.
Read More → PremiumHit your FIRE number but afraid to quit? Learn to trust your math and transition from saver to spender mindset.
Read More → PremiumWhy Health Savings Accounts beat 401(k)s and IRAs mathematically—and how to use them as your secret retirement weapon.
Read More → PremiumDiscover how strategic relocation can dramatically extend your financial independence—without earning another dollar.
Read More → PremiumNot everyone wants extreme frugality. Discover the FIRE variant that matches your lifestyle and goals.
Read More → PremiumProtect your family and legacy with wills, trusts, powers of attorney, and advance directives.
Read More → PremiumStop worrying about lattes. Optimize housing, transportation, and food to save 50% of your income.
Read More → PremiumGet unlimited access to all tools, guides, and resources