FIRE & Retirement
Your Path to Financial Independence
Everything from your FIRE number to safe withdrawal rates, coast milestones, sequence-of-returns risk, Monte Carlo simulations, and bucket strategies. The complete toolkit for retiring early and retiring well.
Calculators
30 calculators
FIRE Number Calculator
Calculate exactly how much you need invested to retire early using the 25× rule and the 4% safe withdrawal rate.
Calculate your FIRE number
Coast FIRE Calculator
Find the point where compounding alone carries your portfolio to retirement, no more contributions needed.
Find your coast number
Safe Withdrawal Rate
Compare 3%, 4%, 5%, and 6% withdrawal scenarios against your portfolio and retirement timeline.
Find your safe rate
Lean vs Fat FIRE
Compare Lean, Barista, and Fat FIRE side-by-side, with targets, timelines, and monthly income for each.
Compare FIRE variants
Retirement Income Gap
Map every income source, Social Security, portfolio, pension, other, against your retirement spending needs.
Find your gap
Years to FIRE
Track every milestone, 25%, 50%, 75%, and FIRE, on your path to financial independence based on your savings rate.
See your timeline
Sequence of Returns Risk
See how the order of good and bad market years dramatically changes your retirement outcome, even with identical averages.
Model your scenarios
Net Worth to FIRE Ratio
See exactly where you stand today. Your net worth as a percentage of your FIRE number, with a clear path to close the gap.
Find your ratio
Savings Rate → Years to FI
See exactly how your savings rate, not your income, determines when you reach financial independence.
Find your rate
Monte Carlo Simulator
Run thousands of simulated retirement scenarios to find your probability of success at any withdrawal rate.
Run simulations
Roth Conversion Ladder
Plan your Roth conversion strategy for penalty-free early retirement income before age 59½.
Plan your ladder
Retirement Age Optimizer
Find the optimal retirement age given your current savings, spending, and expected returns.
Optimize your age
Healthcare Cost in Retirement
Estimate out-of-pocket healthcare costs before Medicare and build them into your FIRE number.
Estimate healthcare costs
Geographic Arbitrage Calculator
Compare FIRE numbers across cities and countries. See how location choice changes your retirement timeline.
Compare locations
One More Year Calculator
Quantify the real cost, and benefit, of working one extra year versus retiring now on a slightly smaller portfolio.
Calculate the tradeoff
Part-Time / Semi-Retirement
Model a semi-retired life where part-time income covers part of your expenses. Retire sooner with less saved.
Model semi-retirement
Dynamic Withdrawal Calculator
Adjust your annual spending based on portfolio performance. Spend more in good years, less in bad ones.
Model dynamic spending
Bucket Strategy Planner
Divide your retirement portfolio into three buckets, cash, bonds, stocks, and model how each refills the next.
Plan your buckets
Inflation Impact on Retirement
See how different inflation rates erode your purchasing power over a 30-year retirement, and how much extra you need.
Model inflation risk
Side Hustle to Investment Converter
Take your freelance or side income and see exactly how it compounds into retirement wealth, month by month.
Convert your hustle
Income to FIRE Gap
See how far your current income trajectory falls short of your FIRE number, and exactly what it takes to close it.
Find your gap
FIRE Number Sensitivity Analyzer
Tweak your withdrawal rate, expenses, or return assumptions and watch how dramatically your FIRE number and timeline shift.
Stress-test your number
Windfall / Inheritance Accelerator
See how a lump-sum inheritance or windfall changes your FIRE timeline, and the optimal way to deploy it.
Model your windfall
FIRE Number by Lifestyle
Compare your FIRE target across three spending scenarios, frugal, moderate, and luxe, side by side.
Choose your lifestyle
Retirement Readiness Score
Get a composite score out of 100 based on your savings rate, portfolio size, timeline, and income gap.
Get your score
Freelance Income FIRE Accelerator
See how adding side income each month shreds years off your FIRE date, and the exact dollar amount that changes everything.
Accelerate your FIRE date
FIRE with Kids
Adjust your FIRE number for the real cost of raising children. Childcare, education, and dependent expenses included.
Adjust for your family
Barista FIRE Income Needed
Find exactly how much part-time income you need to cover your gap, and how little you need invested to retire now.
Find your number
Portfolio Withdrawal Simulator
Run a year-by-year drawdown of your retirement portfolio with adjustable returns, spending, and inflation assumptions.
Simulate your drawdown
Flexible Spending vs Sequence Risk
See how cutting spending by 10–20% in bad market years dramatically improves your portfolio's long-term survival.
Model flexible spending
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