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FIRE Calculators
Every number you need on your path to financial independence. Built for accuracy, designed to teach — not just to calculate.
FIRE Number
Find exactly how much you need to retire. Calculates your target portfolio based on annual expenses and safe withdrawal rate.
Coast FIRE
Discover how much you need invested today so compounding alone carries you to retirement — no more contributions required.
Savings Rate
See how your savings rate determines your timeline to FIRE. The single most powerful lever in your financial independence journey.
Withdrawal Rate
Explore safe withdrawal rates and portfolio survival odds. How long will your nest egg last at different spending levels?
Compound Interest
Watch your money grow over time. Visualize the power of compounding with optional inflation adjustment and a year-by-year breakdown.
Lean / Fat / Barista FIRE
Compare all four FIRE tracks side-by-side: Lean, Regular, Fat, and Barista. See the FIRE number, years to goal, and monthly savings needed for each.
July 28, 2026
Start here if you're new to FIRE math
- 1
Calculate your FIRE Number
Your FIRE number is the portfolio size that supports your lifestyle indefinitely. Start with your annual expenses and a safe withdrawal rate.
Calculate FIRE Number → - 2
Check your Savings Rate
Your savings rate is the single biggest driver of your timeline. Even moving from 20% to 30% can shave years off your working life.
Check Savings Rate → - 3
Explore Coast FIRE
Once you understand your target, see if you might already be on track to coast — no more contributions needed, just time.
Explore Coast FIRE →
Questions about the math?
Our FAQ covers the formulas, assumptions, and concepts behind every calculator.
Browse the FAQ