VetFIRE™ ProSee how your complete veteran financial picture works together.
Model VA disability compensation, TSP and 401(k) accounts, spouse income, military pension, Social Security, taxes, debt, and market risk in one projection through age 90.
Explore free • Unlock Pro once for $59 • No subscription
Your Retirement. One Dashboard.
Every income stream, every account, every scenario. Modeled together in one place.
Growth
Projection
| Scenario | After Crash | At 59½ | Survives |
|---|---|---|---|
| 📊 No Crash (baseline) | $232K | $1.01M | ✓ Yes |
| 📉 −30% Year 1 | $162K | $860K | ✓ Yes |
| 💥 −50% Year 1 | $116K | $660K | ✓ Yes |
| 🔄 2000–02 Repeat | $148K | $600K | ✓ Yes |
| ⌛ Lost Decade | $232K | $460K | ✓ Yes |
| Age | Milestone | Worst 15% | Median | Best 15% |
|---|---|---|---|---|
| 43 | FIRE | $6,700 | $6,700 | $6,700 |
| 55 | Late-life bump | $8,200 | $8,200 | $8,340 |
| 60 | 59½ Unlock | $7,380 | $10,150 | $12,840 |
| 62 | Social Security + Spouse SS | $8,020 | $10,130 | $15,800 |
| 75 | RMD begins | $8,200 | $10,620 | $23,560 |
| 90 | Age 90 | $6,650 | $10,730 | $36,720 |
Dashboard shown with sample data. Your numbers, your projection.
What You Walk Away With
Your Pro purchase includes a personalized PDF report, a built-in annual tracker with scenarios, QR/link sharing across devices, and a Google Sheets export. It also unlocks the separate Roth Conversion Calculator for traditional-versus-Roth comparisons, ladder modeling, and RMD analysis.
Built-In Annual Tracker
Track actual vs. projected • Freeze-on-entry • QR and link sharing
| Year | Net Worth (Proj.) | Net Worth (Actual) | VA Income | Δ |
|---|---|---|---|---|
| 2026 📍 | $212,000 | $212,000 | $2,102 | — |
| 2027 | $265,400 | $271,000 | $2,157 | +$5,600 |
| 2028 | $324,800 | $2,213 | ||
| 2041 🎯 | $892,000 | $3,094 |
- ✓ Dashboard ↔ Tracker tab toggle
- ✓ Actual vs. projected comparison
- ✓ Freeze-on-entry historical accuracy
- ✓ Scenarios Manager (save & compare 10 plans)
- ✓ Export to Google Sheets
-
✓
Downloadable Google Sheets tracker
Your VA Disability Compensation Is the Foundation. Pro Builds the Rest.
Salary, retirement accounts, spouse income, Social Security, military pension. See how it all stacks into one projection.
No subscription • 30-day money-back guarantee • Secure checkout via Stripe
Built Different. Built For You.
Most FIRE calculators ignore VA disability compensation, military pension, and the 59½ penalty cliff. VetFIRE Pro was built from the ground up for the veteran financial picture.
VA-First Architecture
Your VA disability compensation isn't an afterthought — it's the foundation. We model the VA Firewall: the portion of your spending that's covered regardless of what the market does.
1,000 Monte Carlo Scenarios
See the range of possible outcomes for both income and portfolio balances. Know your success rate, median outcome, and worst-case scenario at age 90.
Calculator Inputs Stay Local
Your calculator inputs are processed and stored in your browser. No account is required. Stripe handles purchases; optional analytics and error monitoring load only after consent.
460+ Regression Tests
Every formula — from RMD calculations to tax brackets to pension COLA — is verified by an automated test suite. The math has been independently reviewed against documented assumptions and regression-tested before release.
$59 Once. No Subscription.
Pay once for Pro access and included updates while VetFIRE Pro remains available. The free calculators stay free, and every Pro purchase has a 30-day money-back guarantee.
Built-In Annual Tracker
Log your actual net worth each year and compare it to the projection. Freeze-on-entry ensures historical accuracy. Export to Google Sheets anytime.
Every Tool You Need. Nothing You Don't.
Pro models your complete financial picture — income streams, tax impact, crash scenarios, and the gap-based drawdown engine that actually simulates how you'll spend in retirement.
VetFIRE™ FIRE Projection
Month-by-month accumulation with VA COLA, dividend reinvestment, and employer match. See the exact age you hit financial independence.
Traditional & Roth Account Modeling
Group TSP, 401(k), and IRA balances into combined Traditional and Roth buckets. Model employee contributions, employer match, the Traditional/Roth split, and the 59½ penalty-free unlock.
Pro OnlySpouse / Partner Income
Add spouse salary, separate 401(k) contributions, and choose their Roth vs. Traditional election independently.
Pro OnlyMilitary Pension + COLA
Enter your pension amount and start age. VetFIRE applies COLA from your separation date through retirement and beyond.
Pro OnlySocial Security (Both Spouses)
Model veteran and spouse Social Security at different start ages. SS grows by inflation (CPI), separate from VA COLA.
Pro OnlyPart-Time / Barista FIRE
Add part-time income with a stop age. See how even modest earnings in early retirement accelerate your timeline.
Pro OnlyPost-FIRE Drawdown Engine
Gap-based withdrawals with cost basis tracking, RMD enforcement (SECURE 2.0), and brokerage → traditional → Roth ordering.
Pro OnlyCrash Stress Tests
Five scenarios: −30%, −50%, dot-com repeat, lost decade, and baseline. See if your projection survives each one.
Pro OnlyMonte Carlo (1,000 Runs)
Income fan chart + portfolio balance fan chart. Median, P10/P25/P75/P90 bands, success rate, and depletion risk at age 90.
Pro OnlyTax Impact Modeling
LTCG on brokerage, pretax rate on traditional, cost basis tracking. See the after-tax reality, not the gross number.
Pro Only3-Page PDF Report
Your Projection, Income Blueprint, Resilience & Scenarios, and Reference — personalized, downloadable, shareable.
Pro OnlyAnnual Tracker + Sheets Export
Built-in year-over-year tracker with freeze-on-entry accuracy, scenarios manager, QR/link sharing, and one-click Google Sheets export.
Pro OnlyScenarios Manager + QR Share
Save up to 10 named plans, compare outcomes, and share any scenario with a QR code or secure link across devices.
Pro OnlyDebt Payoff Modeling
Add mortgage, auto, and student loans. Choose payoff-first or invest-the-difference mode and see the impact on your FIRE date.
Pro OnlyRoth Conversion Calculator
A separate standalone tool for comparing traditional vs. Roth conversion tax scenarios — unlocked with Pro, linked from your dashboard.
Pro OnlyThree Steps. Full Clarity.
No accounts. No logins. Everything runs in your browser.
Unlock Pro
Pay $59 once. No subscription, recurring fee, account linking, or required financial-profile account.
Enter Your Numbers
VA rating, accounts, salary, spouse income, pension. The calculator models it all in one projection.
Get Your Plan
See your FIRE age, download your 3-page PDF report, and track every year with the built-in tracker. Export to Google Sheets anytime.
Free Gets You Started. Pro Gets You There.
The free calculator answers the first question. Pro is for veterans ready to model the accounts, income sources, taxes, and risks behind the answer.
Choose Free if...
You want a quick estimate using your VA compensation, spending, and current accounts. No purchase or signup is required.
Choose Pro if...
You are making a serious retirement decision and need spouse income, TSP or 401(k), pension, Social Security, taxes, debt, and market scenarios modeled together.
| Feature | Free | Pro |
|---|---|---|
| VetFIRE™ FIRE Projection | ✓ | ✓ |
| Today's vs. Future Dollars Toggle | ✓ | ✓ |
| Brokerage Account Modeling | ✓ | ✓ |
| Retirement Account | Basic | Full |
| Rating Upgrade Analysis | ✓ | ✓ |
| PDF Report | Basic | 3-Page Detailed |
| Roth Conversion Calculator (standalone) | — | ✓ |
| In-App Annual Tracker + Sheets Export | — | ✓ |
| Scenarios Manager + QR / Link Sharing | — | ✓ |
| Salary, 401(k) Match & Contribution % | — | ✓ |
| Roth vs. Traditional Election | — | ✓ |
| Spouse / Partner Income & 401(k) | — | ✓ |
| Social Security (Veteran & Spouse) | — | ✓ |
| Military Pension with COLA | — | ✓ |
| Part-Time / Barista FIRE Income | — | ✓ |
| Tax Impact & Cost Basis Tracking | — | ✓ |
| Post-FIRE Drawdown Engine | — | ✓ |
| Stress Test (Crash Scenarios) | — | ✓ |
| Monte Carlo Simulation (1,000 Scenarios) | — | ✓ |
| Sensitivity Analysis (8 What-Ifs) | — | ✓ |
| Debt Payoff Modeling (Mortgage, Auto, Student) | — | ✓ |
No subscription • 30-day money-back guarantee • Secure checkout via Stripe
Who Pro Is For
💼 Separating or Retiring
Leaving active duty or a federal job? See how your TSP, VA disability, military pension, and future income combine into a real retirement plan. Know your numbers before you sign anything.
📈 Building Toward FIRE
Contributing to a 401(k) or TSP? Pro shows exactly how Roth vs. Traditional splits, employer matches, spouse income, and extra contributions move your FIRE date — down to the month.
🎖️ Got a Rating Increase
A higher VA rating changes your entire financial picture. See the new FIRE age, updated coverage, run stress tests, and view Monte Carlo simulations against the new numbers.
📈 Planning for the Long Haul
When does Social Security kick in? What happens if the market crashes in year one? Will your portfolio last to 90? Pro answers all of it with one projection.
One Price. Full Access.
Built for veterans who have moved beyond a quick estimate and want to pressure-test the complete picture.
VetFIRE™ Pro
No subscription or recurring fee
- Complete FIRE projection engine
- TSP, 401(k), IRA, Roth account modeling
- Spouse / partner income & 401(k)
- Social Security (veteran & spouse)
- Military pension with COLA
- Part-time / Barista FIRE income
- Other retirement income (trust / annuity)
- Post-FIRE drawdown with tax impact
- 5 crash stress test scenarios
- Monte Carlo simulation (1,000 scenarios)
- Sensitivity analysis (8 parameters)
- Debt payoff modeling (mortgage, auto, student)
- 3-page personalized PDF report
- Built-in annual tracker + Google Sheets export
- All future Pro updates included
- Email support
Backed by 460+ regression tests • Runs in your browser
30-day money-back guarantee. Not what you expected? support@vetfire.co and we'll refund you — no questions asked.
Questions
How is Pro different from the free calculator?
The free VetFIRE™ calculator models VA disability compensation and brokerage investments. Pro adds your full financial picture: salary, retirement accounts (TSP, 401(k), IRA, Roth), spouse income, part-time income, Social Security, military pension, debt payoff modeling (mortgage, auto, student loans), tax impact modeling, crash stress tests, Monte Carlo simulation (1,000 scenarios showing the range of possible outcomes), sensitivity analysis, a downloadable 3-page PDF report, a built-in annual tracker that compares your actual results to projections year over year with freeze-on-entry accuracy, a Scenarios Manager for saving and comparing up to 10 named what-if plans, QR/link sharing across devices, and a Google Sheets export. Pro also unlocks the Roth Conversion Calculator for side-by-side tax comparisons.
How accurate is the math?
The financial engine is backed by 460+ automated regression tests covering accumulation, drawdown, tax calculations, RMD enforcement (SECURE 2.0), Social Security COLA, military pension COLA, Monte Carlo simulation, and income ordering. The math has been audited against documented assumptions, including withdrawal methodology, cost basis tracking, and the 59½ penalty-free unlock. Like all financial models, outputs are estimates, not guarantees.
Is this financial advice?
No. VetFIRE™ Pro is an educational calculator that runs math on the numbers you enter. It does not provide financial, investment, tax, accounting, or legal advice, and does not create an advisor-client, fiduciary, or attorney-client relationship. Consult qualified professionals for personalized guidance.
Do I need to create an account?
No. Pro runs entirely in your browser. Your numbers stay on your device — nothing is sent to our servers. Your data is never collected, stored, or shared.
What if I want a refund?
Email us within 30 days and we'll refund you in full. No questions asked. support@vetfire.co
Why does Pro cost $59?
Pro combines veteran-specific retirement modeling, Monte Carlo analysis, crash stress tests, tax estimates, debt modeling, downloadable reports, scenario comparison, and annual tracking. The one-time price supports maintenance and annual rule updates without requiring a subscription, advertising, or access to your financial accounts.
Can I use Pro on multiple devices?
Yes. Your purchase works on the device where you buy it, and you can restore access on up to 3 additional devices or browsers using the email from your purchase (4 total). If you need more, just email support@vetfire.co and we’ll take care of it.
What does the Monte Carlo simulation actually do?
It runs 1,000 random market scenarios using historical volatility (σ = 16%) and your expected return. For each scenario, it simulates your entire post-FIRE drawdown — withdrawals, taxes, RMDs, Social Security, pension, everything. You see a fan chart of possible outcomes plus your success rate (% of scenarios where your money lasts to age 90).
Are future modules included?
All updates to VetFIRE Pro are included with your one-time purchase. Future standalone products (like a dashboard or mobile app) will be priced separately, but early Pro buyers get priority access and exclusive discounts.
Stop Guessing. Start Projecting.
VA disability compensation, salary, retirement accounts, spouse income, Social Security, military pension — in one projection. See your projected retirement timeline and how the modeled portfolio lasts to age 90.
One-time payment • 30-day money-back guarantee • 460+ regression tests
Important Disclosures
VetFIRE™ Pro is an educational financial projection calculator. VetFIRE LLC is not a registered investment advisor, broker-dealer, or financial advisory firm. All projections are hypothetical estimates based on the inputs you provide and standard mathematical formulas. They do not constitute investment advice, tax advice, accounting advice, legal advice, or any other type of professional guidance.
Past market performance does not guarantee future results. Returns, inflation, tax rates, and policy assumptions used in projections are estimates and may differ from actual outcomes. No specific outcome, timeline, or return is promised or guaranteed. Consult qualified professionals before making financial decisions.
VetFIRE™ is a trademark of VetFIRE LLC. VetFIRE LLC is not affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs or any government agency.