The toolkit
Find your next calculator.
FIRE calculators & simulators. Each one is built to be deep, fast, and free.
FIRE Number Calculator
Find the portfolio size you need to retire early — and your years to freedom.
Compound Interest Calculator
Project how an initial amount plus monthly contributions grows over time.
4% Rule Calculator
How much you can safely withdraw, and how long your money lasts.
Coast FIRE Calculator
See if you can stop saving and let compounding finish the job.
Savings Goal Calculator
What to put away each month to hit a target by a date — and the price of starting late.
Debt Payoff Calculator
Avalanche vs snowball — which clears your debt faster and cheaper.
S&P 500 Backtest Simulator
"What if I'd invested back then?" Test any window with real total returns, dividends, inflation, CAGR and drawdowns.
Access Retirement Money Before 59½
Rule of 55, Roth ordering and five-year clocks, 457(b), HSA, 72(t) — screened against your own accounts, with the exact reason each route passes or fails.
Rule of 55 Calculator
Does the separation-from-service exception reach your plan? And what would a rollover cost you?
Roth Withdrawal Order
Which layer your withdrawal actually comes from, and which of the two five-year clocks governs it.
Can I Retire On…?
What $300k to $5M actually pays per month — and how long it lasts. 15 amounts answered.
Live Off Dividends Calculator
Find your dividend crossover year, and compare dividends-only vs the 4% rule side by side.
Early Mortgage Payoff Simulator
See the interest and years you save with extra monthly payments.
Lean FIRE vs Fat FIRE
Compare both targets and the years to reach each.
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.
Rule of 72
How fast your money doubles at any return.
Real Hourly Wage
What your time is really worth per hour.
How Long Will My Money Last?
See how long savings last — and how sequence-of-returns risk moves the date.
Retire on $X / Month
The nest egg a target monthly income needs, with or without Social Security.
Net Worth Percentile
See where your net worth ranks and what share of Americans have $1M+.
Retire Abroad
What your portfolio buys in another country — with Medicare and tax reality built in.
Retirement Spending by Age
What retirees actually spend, by age and category, from BLS survey data.
Can You Retire at 62?
Model the five-year bridge to full Social Security for any nest-egg size.
Early Retirement Bridge
Model the gap years between your last paycheck and Social Security, account by account, with the 10% priced only where it applies.
Investment Fee Calculator
See the compounding you lose to fund and adviser costs.
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Go beyond a smooth curve
What if you’d invested back then?
Test any window with real total returns, dividends, inflation, CAGR and drawdowns. Explore the S&P 500 Backtest Simulator with data from 1928–2025.
Explore the backtestNew 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.