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Free calculators, tools, and honest guidance for everyone chasing Financial Independence. No jargon. No paywalls. No gatekeeping. Just the path.
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Your tools for the journey
Every calculator you need to map, track, and accelerate your path to financial independence.
FIRE Number
Calculate exactly how much you need to retire — and how long it will take at your current savings rate.
Open calculatorCoast FIRE
Find the savings amount where you can stop investing and let compound interest carry you to retirement.
Open calculatorCompound Interest
Watch your wealth grow. Visualize contributions vs. gains over decades — with optional inflation adjustment.
Open calculatorWhat is the FIRE movement?
FIRE — Financial Independence, Retire Early — is a movement built around one idea: save and invest aggressively, build a portfolio large enough to live off the returns, and buy back your time. Years or decades before traditional retirement age. The core tool is the 4% rule: withdraw 4% of your portfolio per year and it historically lasts 30+ years.
Lean FIRE
Retire on a minimal budget, typically under $40k/year. Maximum frugality, maximum freedom.
Fat FIRE
Retire with a generous lifestyle — $80k+/year. Larger savings target, broader runway.
Barista FIRE
Semi-retire with part-time work covering daily expenses. The flexible middle path.
From the path
Sequence of Returns Risk: The Hidden Threat to Early Retirement
Two portfolios with the same average return over 30 years can have radically different outcomes depending on when the bad years hit. Here's why early retirees are the most exposed — and what to do about it.
Read article →The Roth Conversion Ladder: How to Access Retirement Funds Before 59½
Most early retirees have most of their money locked in tax-deferred accounts. The Roth conversion ladder is the legal, penalty-free way to get it out — but it takes 5 years of planning.
Read article →Ready to find your number?
Your FIRE number is the first milestone on the path. It takes 5 minutes — and might surprise you.
Calculate my FIRE number