All the calculators.
Precision calculators for every stage of the plan. All calculations run entirely in your browser — no data is ever sent to a server.
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- Open methodology
FIRE Calculator.
Calculate your FIRE number, years to financial independence, and monthly savings target based on your income, expenses, and investment returns.
Open calculatorNine more tools.
- For Early Savers
Coast FIRE Calculator
Find out how much you need invested today so compound growth alone carries you to your retirement target — with no additional contributions.
- Budgeting
Savings Rate Calculator
Calculate your savings rate, see how it maps to years until financial independence, and explore expense breakdowns with what-if scenarios.
- Advanced
Withdrawal Simulator
Run 1,000 Monte Carlo simulations to stress-test your retirement withdrawal strategy. See success rates across the 4% rule, variable, and guardrails strategies.
- Investing Basics
Compound Interest Calculator
See the hockey-stick growth curve — project investment growth with monthly contributions, adjustable return rate, and separate tracking of principal vs. interest over time.
- Quick Math
Rule of 72 Calculator
Estimate how long it takes money to double, triple, or 10× at any return rate. Rule of 72 alongside the exact compound-growth math for comparison.
- Milestone Planning
Millionaire Calculator
Find out exactly when you hit $100K, $500K, $1M, $2M, and $5M based on your current savings, monthly contributions, and expected return rate.
- FIRE Progress
Net Worth Calculator
Add up your assets and liabilities to see your total net worth, investable net worth (excluding home equity), and percentage progress toward FIRE.
- Avalanche vs Snowball
Debt Payoff Calculator
Compare debt avalanche vs. debt snowball side-by-side. Add every balance and rate, set an extra monthly payment, and see months to debt-free and total interest paid.
- Framework
The FIRE Roadmap
Nine-phase decision tree from defining your end state through tax-advantaged investing and early-withdrawal bridges. Interactive 2026 MAGI matrix included.
Built for real FIRE planning.
Every calculator uses the same methodologies referenced by leading FIRE researchers and bloggers — including the 4% safe withdrawal rule (Trinity Study), shockingly simple savings rate math (Mr. Money Mustache), and Coast FIRE projections. Full methodology explanations are included in each tool.
- Calculators
- 10
- Monte Carlo runs
- 1,000
- Cost
- $0
These tools are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice. Please consult a qualified financial professional before making investment decisions. Read the full disclaimer.