VetFIRE™: Financial Independence for Veterans

While civilians need $2M+ to retire early, your federally backed, tax-exempt VA compensation changes the math. See your VetFIRE™ number.

$1.2M+* Hypothetical VetFIRE wealth at 50
15 yrs* Earlier than traditional retirement
Tax-Exempt VA disability compensation

*Hypothetical illustration based on 100% rating, 10% nominal return (S&P 500 historical avg), 3% inflation. Not a guarantee. Past performance does not guarantee future results. Full disclaimer.

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 (2026 rates, effective Dec 1, 2025)

Investment Projections

This calculator assumes you invest 100% of your VA compensation until VetFIRE™.

💡 The VetFIRE™ Method: What if you invested your entire VA check each month, then started spending it at retirement?

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⏳ 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.

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VetFIRE™ Projection
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Coverage at Age —
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Monthly Income
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Portfolio at FIRE
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Time to FIRE
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PRO This projection doesn’t include Social Security, military pension, spouse income, or tax impact. See your full picture with Pro.

🗺 Your FIRE Journey

Key milestones from now to retirement
💰 Income Analysis

Income Sources at FIRE

Projected Balances at FIRE

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

🦅 The VetFIRE™ Difference

Traditional FIRE
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Your VetFIRE™
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You need
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Portfolio Growth Projection

✨ Refine in 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 2026 rates effective December 1, 2025. 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.

📋 Rating Compensation

See the true value of proper VA disability rating compensation.

🛡️ Emergency Fund

Calculate your emergency fund based on VA disability compensation.

💰 Lifetime VA Value

See the total lifetime value of your VA disability compensation.