FIRE with Kids Calculator

How much more do you need to retire early if you have kids? The FIRE with Kids Calculator shows you the true cost of financial independence when you're raising a family, factoring in childcare, dependent living expenses, and per-kid college funding on top of your baseline FIRE number. Adjust for the number of kids, their average age, annual cost per child, and college savings goal to instantly see your adjusted FIRE target, the "Kid Tax" (extra portfolio needed vs. a kid-free baseline), and your projected FIRE age with savings drag factored in. Built on the 25× rule, USDA child-cost averages, and the 4% safe withdrawal rule, this calculator helps parents pursuing FIRE, Lean FIRE, or Coast FIRE plan realistically, because early retirement with children isn't just a bigger number, it's a different timeline.