Free FIRE calculators
Run your own FIRE numbers
Seven simple calculators, each answering one question on the road to financial independence. Free, and nothing is saved.
Start here
Find your Freedom Date
Your savings, your spending, your pace: see the month and year you could reach financial independence, and your age then.
“Your Freedom Date: ~June 2039, age 47.”
An example of what you'll see.
Find my Freedom Date
More calculators
- How much do I need?FIRE number calculatorSpending divided by a withdrawal rate, for Lean, regular and Fat FIRE, with room for taxes and health insurance.Open the calculator
- How much does my savings rate matter?Savings rate calculatorThe classic table: years to financial independence at every savings rate from 5% to 80%, with yours highlighted.Open the calculator
- Have I saved enough to coast?Coast FIRE calculatorHow much you need invested today for growth alone to reach your FIRE number by a target age, and whether you're there.Open the calculator
- What if part-time work covers some of it?Barista FIRE calculatorA smaller number when part-time income pays part of the bills, and how much sooner you could get there.Open the calculator
- How will my money grow?Compound growth calculatorA starting amount plus monthly saving, over the years, split into what you put in and what growth added.Open the calculator
- When can I retire with my pension?Pension + FIRE calculatorFor firefighters, police, teachers and other public servants: your pension formula, your savings, the bridge years and the gap.Open the calculator
How the calculators work
Free, no sign-up
Type your numbers and get an answer straight away.
Your numbers stay with you
Everything runs in your browser. Nothing is saved or sent.
The math, shown
Every calculator shows its formula and its assumptions, and you can change them.
Sources you can check
Rules and research are linked to the IRS, SSA, Medicare.gov and the original papers.
Where they apply, the calculators start with the same two assumptions: a 5% real return (after inflation) and a 4% safe withdrawal rate. Both are explained on each page, with links to the research, and both are yours to change. New to the words? Start with What is FIRE? or the FIRE glossary, and see the FAQ for common questions.