VetFIRE™ ProYour VA disability isn't just compensation. It's a retirement accelerator.
VA compensation is one of the most powerful retirement assets in America. Most financial tools treat veterans as an afterthought. VetFIRE Pro was built for you.
Regularly $49 • Early-adopter discount auto-applies at checkout ($29 through Memorial Day or first 250 redemptions)
Your Retirement. One Dashboard.
Every income stream, every account, every scenario. Modeled together in one place.
📈 Phase 1 Income — Early Retirement
🏁 Phase 2 Income — Full Retirement (67+)
⚠️ VA Firewall & Stress Tests
| 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 |
Income at Key Ages
80% success| 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
Every Pro analysis generates a personalized PDF report, a built-in annual tracker with scenarios, QR/link sharing across devices, a Roth Conversion Explorer, and a Google Sheets export. Your complete financial ops plan.
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 Is the Foundation. Pro Builds the Rest.
Salary, retirement accounts, spouse income, Social Security, military pension. See how it all stacks into one projection.
Regularly $49 • Discount auto-applies at checkout ($29 through Memorial Day or first 250 redemptions)
Built Different. Built For You.
Most FIRE calculators ignore VA disability, 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 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.
100% Private
Everything runs in your browser. No accounts, no logins, no data sent to servers. Your financial data never leaves your device.
435 Regression Tests
Every formula — from RMD calculations to tax brackets to pension COLA — is verified by an automated test suite. The math has been audited to CPA/CFP standards.
$49 Regular Price
Early-adopter pricing is currently $29 at checkout (auto-applied) through Memorial Day or first 250 redemptions. One payment, full access, all future updates included.
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.
401(k), TSP, IRA & Roth
Model your full retirement stack: employee contributions, employer match, Roth vs. Traditional 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 Only4-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 Explorer
Model traditional-to-Roth conversion ladders, compare tax scenarios, and see bridge timelines. Included free for all users.
Three Steps. Full Clarity.
No accounts. No logins. Everything runs in your browser.
Unlock Pro
One-time $49 purchase. Early-adopter discount auto-applies at checkout ($29 through Memorial Day or first 250 redemptions). No subscription, no recurring fees, no upsells.
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 4-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.
| 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 | 4-Page Detailed |
| Roth Conversion Explorer | Lite | Full |
| 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) | — | ✓ |
Discount auto-applies at checkout ($29 through Memorial Day or first 250 redemptions) • 30-day money-back guarantee
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.
Regularly $49. Early-adopter discount auto-applies at checkout: $29 through Memorial Day or first 250 redemptions.
VetFIRE™ Pro
$20 off auto-applied at checkout (pay $29)
- 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
- 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)
- 4-page personalized PDF report
- Built-in annual tracker + Google Sheets export
- All future Pro updates included
- Email support
Backed by 435 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.
Discount auto-applies at checkout ($29 through Memorial Day or first 250 redemptions) • 30-day money-back guarantee • 435 regression tests
Questions
How is Pro different from the free calculator?
The free VetFIRE™ calculator models VA disability 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 4-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 cross-links to the free Roth Conversion Explorer for side-by-side tax comparisons.
How accurate is the math?
The financial engine is backed by 435 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 CPA/CFP-level standards including gap-based withdrawals, cost basis tracking, and the 59½ penalty-free unlock.
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, or legal advice. Consult a qualified professional 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
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, salary, retirement accounts, spouse income, Social Security, military pension — in one projection. See exactly when you can retire and how your money lasts to 90.
One-time payment • 30-day money-back guarantee • 435 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, or any other type of professional financial guidance.
Past market performance does not guarantee future results. Returns, inflation, and tax rates used in projections are estimates and may differ from actual outcomes. Consult a qualified financial professional 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.