FIRE Bridge Account Calculator

Simulate bridge gap funds required before penalty-free retirement access (e.g., age 59.5).

Current Age: 40

Target FIRE Age: 50

Penalty-Free Access Age: 59.5

Annual Expenses ($)

Taxable Bridge Portfolio ($)

Tax-Advantaged Portfolio ($)

Target FIRE Goal

25x Annual Spend

Bridge Duration

Gap until penalty-free access

10% IRS Penalty Saved

Via Roth Ladder / SEPP 72(t)