FIRE Calculator (Intermediate) | 12 Assets, HSA + I-Bonds + REITs

Twelve assets, three taxation buckets, one FIRE answer. The intermediate version adds the tax-advantaged accounts most households actually have — 401(k), Roth IRA, Traditional IRA, HSA, 529, I-bonds — plus rental property and a brokerage line. Each asset is tagged Taxable, Tax-Deferred, or Tax-Free so the projection shows you both gross net worth AND the post-tax spendable equivalent.

Need less? Basic (5 assets) → · More? Advanced (35 assets) →

💰 Liquid & Brokerage

💵 Cash & High-Yield Savings · Taxable

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📈 Taxable Brokerage · Taxable (LTCG)

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📜 Bonds / Fixed Income · Taxable

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🇺🇸 I-Bonds / Treasuries · Tax-Deferred (federal)

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🧾 Tax-Advantaged Retirement

🏢 401(k) / 403(b) · Tax-Deferred

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🏛️ Traditional IRA · Tax-Deferred

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🎁 Roth IRA · Tax-Free

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⚕️ HSA · Tax-Free (qualified med)

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🎓 529 Education · Tax-Free (qualified ed)

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🪙 Bitcoin & Real Estate

₿ Bitcoin · Taxable (LTCG)

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🏠 Primary Residence (equity) · Sec. 121 exempt up to $250K/500K

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🏘️ Rental Property (net equity) · Taxable (rental + LTCG)

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🎯 Retirement Plan & Tax Assumptions

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Effective tax rate on tax-deferred %

FIRE Calculator (Intermediate, 12-Asset)

Your FIRE Projection