FinancialDepth
Illustration of long-term savings growing through compounding and regular contributions

The Complete Toolkit

Every FIRE calculator you need, in one place.

A growing collection of free, interactive tools built for the financial independence community — each with live charts, real math, and zero fluff.

Reviewed July 18, 2026Transparent assumptionsEducational estimate
Flagship · Real Data 1928–2025

S&P 500 Backtest Simulator

"What if I'd invested back then?" Run any window through real annual total returns — dividends, inflation, CAGR, and max drawdown, all on a live chart.

Plan Your FIRE

FIRE Number Calculator

The portfolio size you need to retire early — and your years to freedom.

Coast FIRE Calculator

See if you can stop saving and let compounding finish the job.

Lean FIRE vs Fat FIRE

Compare both targets and the years to reach each.

4% Rule Calculator

How much you can safely withdraw, and how long your money lasts.

Barista FIRE Calculator

Semi-retire with part-time income — the gap math done right.

Coast FIRE by Age

Your coast number at every age, from 20 to retirement.

Savings Rate to FI

How your savings rate sets your retirement date.

Retire Early & Draw Down

Access Money Before 59½

Which routes reach which of your accounts before 59½ — and the exact reason each one passes or fails.

Can You Retire at 62?

The five-year bridge to full Social Security, priced for any portfolio and spending level.

Early Retirement Bridge

Year-by-year cash flow from your last paycheck to Social Security, with plan, IRA, Roth and brokerage kept apart.

Rule of 55 Calculator

Whether the separation-from-service exception reaches your plan — and what a rollover to an IRA would cost in dollars.

Roth Withdrawal Order

Which layer a Roth withdrawal comes from, what it costs, and when each conversion cohort unlocks.

How Long Will My Money Last?

See how long savings last, and how sequence-of-returns risk moves the date.

Retire on $X per Month

The nest egg a target monthly income needs, with or without Social Security.

Retirement Spending by Age

What retirees actually spend, by age and category, from BLS survey data.

Net Worth Percentile

See where your net worth ranks and what share of Americans hold $1M or more.

Retire Abroad

What your portfolio buys in another country, with Medicare and tax reality built in.

Grow & Invest

Savings Goal Calculator

The monthly contribution that reaches your target — and what each month of delay adds to it.

Compound Interest Calculator

Project how an initial amount plus monthly contributions grows over time.

S&P 500 Backtest

Test historical outcomes with real total returns since 1928.

Rule of 72

How fast your money doubles at any return.

Real Hourly Wage

What your time is really worth per hour.

Live Off Dividends

Find your dividend crossover year and compare it with the 4% rule.

Investment Fee Calculator

See the compounding you lose to fund and adviser costs.

Crush Debt

Debt Payoff Calculator

Avalanche vs snowball — which clears your debt faster and cheaper.

Early Mortgage Payoff

See the interest and years you save with extra monthly payments.

New tools are added regularly. Every calculator is free, runs entirely in your browser, and never asks for your email. For educational purposes only — not financial advice.

Choose by decision

Start with the question, then choose the calculator

Building wealth? Begin with compound growth, fees, or the historical backtest. Approaching financial independence? Use FIRE, Coast FIRE, withdrawals, and longevity together. If cash flow is the constraint, compare debt payoff, mortgage prepayment, and real hourly wage first.

Use the same base assumptions across related tools. A 7% nominal return and a 5% real return are not directly comparable until inflation treatment is aligned.