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Built by a Marine. Free to use.

Financial Independence for Veterans

Your VA disability compensation is a tax-exempt, inflation-adjusted income floor. These free tools show you what that actually means for your future.

6 Calculators 5 free + 1 Pro tool
$0 Ads No sponsors. No gimmicks.
Open Source Transparent math
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No Signup Required
Your Data Stays on Your Device
Built by a Marine
70% VA Disability
$2,864,135

Lifetime value of VA compensation from age 22 to 80 with COLA. Tax-exempt. Inflation-adjusted. Yours.

See YOUR Number →

What Is VetFI?

VetFI is financial independence for veterans who leverage VA disability compensation as a foundation. Not everyone wants to retire early. But almost everyone wants options.

Civilian FIRE calculators ignore VA comp entirely. They tell you to save $1.5M+ before you can stop working. But if the VA is already covering 50-100% of your living expenses with tax-exempt, inflation-adjusted income, the math changes completely.

Traditional FIRE

  • Ignores VA compensation
  • Need $1.5M-$2M+ to retire
  • All income is taxable
  • No inflation protection
  • Vulnerable to market crashes

VetFI Approach

  • VA comp is your income floor
  • Need far less in your portfolio
  • Tax-exempt under current law
  • Built-in COLA adjustments
  • VA Firewall protects in crashes

The VA Firewall

Your VA compensation is a wall between market chaos and your family's stability.

Market Crash

−40% Portfolio drops in a recession
🛡️

Your VA Income

$0 Lost Tax-exempt, inflation-adjusted, unaffected

VA disability compensation keeps paying regardless of what the market does. That changes the math on how much you need saved.

Free Tools for Veterans

Five free calculators + one Pro tool. No signup required for free tools. Everything runs in your browser. Your data never leaves your device.

🔥

VetFIRE Calculator

See how your VA comp changes the FIRE equation. Enter your rating, expenses, and savings to find your number.

Calculate your number
👶

VetFIRE™ Junior

Model how investing your VA child benefit add-on from birth can build generational wealth for your kids.

See your child's projection
📈

Rating Compensation

See the lifetime value of a rating increase. Compare current vs. projected compensation with COLA growth.

See your rating value
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Emergency Fund

Veterans with VA comp need a different emergency fund. See how your monthly benefit lowers the amount you need saved.

Find your target
💰

Lifetime VA Value

One slider. One jaw-dropping number. See the total lifetime value of your VA disability compensation with COLA growth.

See your lifetime value
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VetFIRE™ Pro $29

The complete retirement projection tool. Model every account (401k, TSP, IRA, Roth), run Monte Carlo simulations, stress-test against crashes, see after-tax income, and get a personalized PDF report + Google Sheets tracker.

Learn more about Pro

From the VetFIRE Blog

Real strategy for veterans building financial independence.

FIRE Math

You Don't Need $2 Million

If you're a veteran with VA disability, you might need 30-70% less than civilian calculators say.

Read more Strategy

The VA Firewall Method

A framework for separating VA compensation from spending to accelerate debt payoff and wealth building.

Read more Guide

What Is VetFIRE? The Complete Guide

Your VA disability benefits are worth more than you think. Here's how they factor into your financial independence.

Read more

Common Questions

Yes. Five of our six calculators are completely free with no signup required. VetFIRE™ Pro is a one-time $29 purchase for veterans who want the full retirement projection experience. We built these tools because civilian calculators ignore VA compensation entirely, and veterans deserve better math.
Your data never leaves your device. Every calculation runs locally in your browser. We don't collect, store, or transmit your financial information. There are no accounts, no databases, no tracking of your inputs.
VetFI is built and maintained by a U.S. Marine veteran who used VetFIRE principles to reach financial independence. The code is open source and all the math is transparent.
Any rating helps. Even at 10%, your VA compensation is a tax-exempt income floor that reduces how much you need in your portfolio. The higher the rating, the bigger the impact, but even a 30% rating can shift your FIRE number significantly.
No. VetFI provides educational tools and projections, not financial advice. We are not financial advisors. Always consult a qualified professional before making financial decisions. See our full disclaimer.