FIRE Calculators & Tools
Free calculators to plan your path to financial independence. No signup required.
Which calculator is right for me?
I want to know when I can stop saving aggressively
→ Coast FIRE Calculator
I want to work part-time before full retirement
→ Barista FIRE Calculator
I'm considering a big purchase
→ Purchase Impact Calculator
I just received unexpected money
→ Windfall Impact Calculator
I want to retire on a minimal budget
→ Lean FIRE Calculator
I want a comfortable, high-spending retirement
→ Fat FIRE Calculator
FIRE Calculators
Find your number and timeline for every FIRE strategy.
Coast FIRE Calculator
Calculate when you can stop saving and let compound interest do the work.
FIRE Number Calculator
Find your financial independence number — how much you need to retire early.
Barista FIRE Calculator
Plan your transition to part-time work while investments cover the gap.
Fat FIRE Calculator
Calculate your number for a luxurious early retirement with $100k+ spending.
Lean FIRE Calculator
Retire early on a minimalist budget. See how frugality accelerates freedom.
Investment & Savings
Understand how your money grows and how fast you can get there.
Compound Interest Calculator
Visualize how your money grows over time with the power of compounding.
Savings Rate Calculator
See how your savings rate impacts your FIRE timeline.
Retirement Nest Egg Calculator
Calculate how much you need saved to retire comfortably using the 25x rule.
4% Rule Calculator
Test different withdrawal rates for your retirement portfolio.
Monte Carlo Simulator
Run 1,000 retirement simulations to test if your plan survives market volatility.
Retirement Access & Tax
Navigate early withdrawal rules, tax strategies, and Social Security.
Retire at 55 Calculator
Calculate how much you need to retire at 55, including healthcare and Social Security.
Rule of 55 Calculator
See if you can access your 401(k) penalty-free before 59½ using the Rule of 55.
401(k) Early Withdrawal Calculator
Calculate the true cost of an early 401(k) withdrawal including penalties and taxes.
72(t) SEPP Calculator
Calculate substantially equal periodic payments for early IRA access without penalty.
Roth Conversion Calculator
See your tax cost with 2026 OBBBA brackets. Bracket-filling optimizer with IRMAA warnings.
Social Security Break-Even
Compare claiming at 62 vs 67 vs 70. See your break-even age and COLA-adjusted projections.
Decision Tools
Make smarter money decisions with real FIRE-timeline impact.
Purchase Impact Calculator
See how any purchase affects your FIRE timeline. Understand the true cost.
Windfall Impact Calculator
Calculate how a bonus, inheritance, or windfall accelerates your freedom.
Emergency Fund Calculator
Get a personalized target based on income stability, insurance, and risk factors.
Withdrawal Strategy Comparison
Compare 4% Rule vs Guyton-Klinger vs VPW vs Floor & Ceiling with stress tests.