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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.

Free + Pro Tools for your next planning step
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Built by a Marine

What could your VA income add up to over time?

Explore projected payments with the rating slider and age controls, or see an optional investment illustration. Future payments are not savings you already own.

Explore Lifetime VA Value →

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
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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

Free calculators and educational resources, plus a Pro retirement planner. No signup is required to calculate with the free tools. Calculator inputs stay in your browser.

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VetFIRE Calculator

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

Calculate your number
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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
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Rating Difference

Compare compensation at two disability ratings without assuming eligibility for a different rating.

Compare ratings
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Advanced Planner Pro

Roth ladder modeling, RMD avoidance analysis, and a full year-by-year wealth map. $59 one-time, no subscription.

Explore VetFIRE™ 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

The free calculators and educational resources require no signup to calculate. VetFIRE™ Pro is a $59 one-time purchase with no subscription or recurring fees. We built these tools because civilian calculators ignore VA compensation entirely, and veterans deserve better math.
Calculator inputs are processed and stored locally in your browser. No account is required. Stripe handles purchases, and optional analytics and error monitoring load only after consent.
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.