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Free FIRE Calculators
Every calculator runs in your browser — no signup, nothing paywalled. All values use real returns and inflation adjustment, so numbers are always in today's dollars. Share any scenario with a link or export to CSV.
Coast FIRE
Plan the moment you can stop contributing and let compound growth do the rest.
Coast FIRE Calculator →
Enter your age, expenses, and contributions. See your coast number, required portfolio, and whether you're on track — inflation-adjusted and in today's dollars.
Barista FIRE Calculator →
Like Coast FIRE, but you cover part of your expenses with part-time work. Reach financial freedom earlier by reducing how much your portfolio needs to grow.
Fat FIRE Calculator →
Plan for a retirement with a higher annual spend — $100k+/year. Models the larger portfolio required and the savings rate needed to get there.
Growth
Understand how your money compounds over time across different saving strategies.
Compound Interest Calculator →
Two-phase model: contribution years then hands-off years. See exactly when compound growth outpaces what you're adding. Inflation-adjusted with CSV export.
FIRE Calculator →
The full financial independence picture. Enter your income, expenses, and savings rate — get your exact FIRE date and the portfolio you're building toward.
Savings Rate Calculator →
See how your savings rate directly drives your FIRE date. Watch the timeline compress as you increase your rate — the single most powerful lever in FIRE planning.
Planning
Model the drawdown phase and understand how individual decisions affect your timeline.
Withdrawal Calculator →
Enter your portfolio and monthly withdrawal. See year-by-year how long your money lasts and exactly when it depletes if your withdrawal rate is too aggressive.
Windfall Impact Calculator →
Got a bonus, inheritance, or big sale? See exactly how many months it moves your FIRE date. Turns a lump sum into a concrete timeline shift.
Purchase Impact Calculator →
Every purchase has a hidden cost in FIRE time. Enter a price and see how many months it delays your financial independence. Changes how you think about spending.