Free Financial Independence (FIRE) Calculators
Plan Your Way to Freedom
Financial independence changes what money is for. A balance stops being a score to grow and starts being years of your life you no longer have to sell. Every year of spending your portfolio can cover is a year you do not have to work. What you keep each month, more than what you earn, decides how many of those years you get.
These calculators show you that trade in your own numbers. Each one is free, answers a different question about when you could stop and on what terms, and shows the assumptions behind every number it gives you.
11 calculators in one place
Each one answers a different planning question. Pick the one that matches what you are trying to work out, or read on for help choosing.
Which calculator should I use?
Start from the question you are trying to answer, not from the calculator names.
Building a plan
If you want your FIRE number and the age you could reach it, start with FIRE Plan. It projects your portfolio and housing equity year by year. For a fast, rough answer to “how much do I need to retire?” without filling in a dozen fields, Simple FIRE gets there from three inputs.
If you would rather work from your savings rate than your spending, the Savings Rate calculator turns that percentage directly into years until financial independence. And Coast FIRE finds the balance that would grow into your target on its own, with nothing further saved.
Stress-testing a plan
Once you have a plan, it is worth checking whether it would have survived real history rather than a single assumed return. FIRE Simulation backtests your numbers against more than 150 years of market data, and Retirement Probability computes those same odds of success exactly, straight from the return distribution instead of a historical count.
If the worry is that a bad first few years could sink an otherwise sound plan, Sequence of Returns Risk shows how much the order of returns decides the outcome, and how far the opening years move the odds.
If the plan is to spend the money down rather than preserve it, Die with Zero solves the earliest quit age whose odds of running out stay inside a tolerance you pick.
Shorter horizons
Not everyone here is aiming to stop working entirely. If you are weighing a sabbatical, a career break, or a slower semi-retirement, Lifestyle Change models taxes and side income, not just savings divided by spending, while Quit My Job answers the narrower question of how many months your current savings would cover.
And if you already have a pot of savings and simply want to know how long it will last, Simple Bag O'Money walks it forward year by year.