RetireSmart US: 401k & FIRE

🇺🇸 RetireSmart US — The Definitive US Retirement, Tax Advantage & FIRE Intelligence Suite!

Engineered specifically for American professionals, investors, and early retirement aspirants, RetireSmart US gives you instant mathematical clarity to master the US tax code and accelerate financial independence. Modeled directly on official IRS statutory frameworks (including latest 2025/2026 contribution limits and SECURE 2.0 rules).

Whether you are deciding between a Roth and Traditional 401(k), optimizing employer matching dollars, simulating your Coast FIRE number, or projecting the lifetime impact of claiming Social Security at age 62 versus 70, RetireSmart US delivers institutional-grade financial intelligence in a sleek, modern interface.

🌟 KEY FEATURES & CALCULATORS:

1. 🌊 The Financial Order of Operations Waterfall
• 6-Tier Contribution Optimizer: Automatically allocates every dollar according to proven mathematical priority:
1. Employer 401(k) / 403(b) Match (Instant 100% ROI)
2. Health Savings Account (HSA) Triple-Tax Shield
3. Roth IRA / Backdoor Roth Contribution Limits
4. Unmatched 401(k) / 403(b) Max-Out
5. Mega-Backdoor Roth / After-Tax Contributions
6. Tax-Efficient Taxable Brokerage Accounts
• Visual Progress Bars: Real-time tracking of statutory limits ($23,500 401k, $7,000 IRA, $4,300 HSA).

2. ⚖️ Roth vs. Traditional Algorithmic Arbitrage Engine
• Tax Bracket Differential Analysis: Automatically compares your current marginal tax rate against your projected retirement marginal tax bracket.
• Net Dollar Wealth Advantage: See the exact future projected dollar difference at retirement age between pre-tax and post-tax contributions.
• Take-Home Pay Delta: Understand how traditional pre-tax contributions increase today's paycheck cashflow compared to Roth.

3. 🎯 FIRE & Coast FIRE Simulator
• Rule of 25 Calculator: Computes your exact Target FIRE Number based on desired annual retirement lifestyle expenses and safe withdrawal rate (SWR).
• Coast FIRE Metric: Identifies the exact capital needed today so compound growth reaches your FIRE goal without another penny added.
• Compounding Milestone Gauges: Visual progress markers toward your first $100K, $250K, $500K, $1M, and full Financial Independence.

4. 🌉 Social Security Claiming Bridge
• Optimal Claiming Age Visualizer: Side-by-side analysis of claiming early at age 62 (reduced benefit), Full Retirement Age (FRA, age 67), or maximum delayed credits at age 70 (+24% permanent boost).
• Portfolio Longevity Buffer: Evaluates how Social Security income bridges the gap and preserves your invested capital throughout retirement.

5. 📊 Interactive Visual Analytics & Calibrated Scales
• Compound Growth Trajectory: Dual-axis projection chart modeling total contributions, compound investment returns, and inflation-adjusted purchasing power.
• Wealth Comparison Visualizer: Direct side-by-side comparison of Roth, Traditional, and taxable account values at target retirement age.
• Calibrated Arc Gauges: Dynamic scale measuring retirement income replacement ratio with 75%–85% target indicators.

🔒 100% PRIVATE & ON-DEVICE INTELLIGENCE:
• No Account or Login Required.
• No Bank Account Linking or Sensitive Credentials Needed.
• 100% of financial computations execute locally on your device in secure memory.
• Multi-Theme Support: Dark Obsidian, Cyber Slate, Brand OLED, Accent Teal & Crisp Clean Light palettes.
• 12 Global Languages Supported with native translations.

⚖️ DISCLAIMER:
For educational and informational planning purposes only. Does not constitute certified financial, tax, or legal advice. Not affiliated with the IRS, SSA, or any government agency.

Recent changes:
🎉 Welcome to RetireSmart US 1.0.0!

• Comprehensive Retirement & FIRE Planner: Project wealth, savings milestones, and target nest eggs.
• Advanced Tax Strategy: Roth vs. Traditional 401(k) / IRA side-by-side break-even simulations.
• 2026 IRS Statutory Rules: Updated limits for 401(k), IRA, HSA, and Catch-up contributions.
• Visual Analytics: Dynamic compound growth charts and savings waterfall breakdowns.
• Multilingual Support: 12 languages with dark and light theme options.