Built for veterans with VA disability

Your VA comp changes
the retirement math.

Traditional calculators ignore tax-exempt, COLA-adjusted income that keeps paying month after month. VetFIRE™ doesn't.

See your number

How the math changes

Example: a veteran with a 70% rating and $4,000/mo spending.

Traditional FIRE
$1.2M

Covers 100% of spending from savings

$4,000 × 12 ÷ 4% SWR
VetFIRE™

VA covers /mo — you may only need to cover the gap

gap × 12 ÷ 4% SWR

Based on VA rates, single veteran, no dependents. Not a guarantee. Full disclaimer.

1

Enter your rating & spending

We look up the current VA rate automatically.

2

See what VA already covers

Tax-exempt, inflation-adjusted income you don't have to replace.

3

Get your projected number

A personalized estimate — not the generic civilian formula.

Tell us about yourself

We'll use this to map your journey to financial independence.

Your VA Disability Compensation

This tax-exempt, inflation-protected compensation is your financial superpower.

Select your disability rating ( rates, effective )

Investment Projections

This calculator assumes current expenses are covered by salary or other income while VA disability compensation is invested until VetFIRE™.

💡 The VetFIRE™ Method: Debt payoff and emergency-fund needs come first; then VA disability compensation shifts more retirement funding from wages to the investment accounts. After retirement, it is treated as recurring income that reduces portfolio withdrawals.

$0

⏳ Note: Retirement accounts are locked until age 59½. This calculator projects their value but only counts them as income after 59½. Roth assumed — if your accounts are pretax (traditional TSP/401k), actual after-tax income will be lower.

$0
VetFIRE™ Projection
—
Coverage at Age —
—
Monthly Income
—
Portfolio at FIRE
—
Time to FIRE
vetfire.co
NEW Unlock the full VetFIRE™ Pro planner — $59 one-time. (opens in new tab)

🗺 Your FIRE Journey

Key milestones from now to retirement
💰 Income Analysis

Income Sources at FIRE

Projected Balances at FIRE

📈
Brokerage
Taxable — accessible anytime
—
🔒
Retirement
TSP/IRA/401(k) — unlocks at 59½
—
💰
Total Portfolio
—
Today’s dollars
📈 Portfolio & Growth

🦅 The VetFIRE™ Difference

Traditional FIRE
—
vs
Your VetFIRE™
—
You need
—

Portfolio Growth Projection

Explore VetFIRE™ Pro (opens in new tab)
Important: This calculator provides educational estimates only and does not constitute financial, investment, tax, or legal advice. All projections are hypothetical, use simplified models (including a flat 15% capital-gains tax estimate and Roth-assumed retirement withdrawals), and may not reflect actual outcomes. Default assumptions: 10% nominal return and 3% inflation (based on S&P 500 historical average, 1926–2025; ~7% real return after inflation). Past performance does not guarantee future results. Actual results will vary based on market performance, tax law changes, and other factors. VA disability ratings may be subject to periodic re-evaluation and could be reduced. VA rates shown are rates, effective . VetFIRE LLC is not affiliated with the U.S. Department of Veterans Affairs. Always consult a qualified financial professional before making financial decisions. Full Disclaimer →

Explore More VetFIRE™ Calculators

👶 VetFIRE™ Junior

See what your VA child benefits could grow to over 18 years of compounding.

(opens in new tab)

📋 Rating Impact

See what a VA rating increase could mean over time.

(opens in new tab)

🛡️ Emergency Fund

Calculate your emergency fund based on VA disability compensation.

(opens in new tab)

💰 Lifetime VA Value

See the total lifetime value of your VA disability compensation.

(opens in new tab)

📈 Roth Conversion

Calculate the optimal Roth conversion ladder for your VA disability compensation.

(opens in new tab)