13 Free FIRE Calculators & Early Retirement Planning Tools

Complete suite of Financial Independence calculators - from basic FIRE numbers to advanced tax optimization

Traditional, Lean, Fat, Coast, and Barista FIRE calculators plus savings, investing, and housing tools

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Know Your FIRE Number

Calculate how much money you need to achieve Financial Independence using the 4% rule. Perfect for getting started with FIRE planning.

✓ Simple 4% rule calculation
✓ Based on annual expenses
✓ Quick and straightforward
Calculate FIRE Number
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Know Your Timeline

Get a comprehensive timeline showing exactly when you'll reach FIRE based on your current income, spending, and savings rate.

✓ Historical S&P 500 returns
✓ Accounts for current savings
✓ Shows your savings rate
Calculate Timeline
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Coast FIRE Calculator

Calculate when you can stop saving and still reach FIRE by your target retirement age through compound growth alone.

✓ Based on compound growth
✓ Uses 7% real returns
✓ Target retirement age
Calculate Coast FIRE
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Barista FIRE Calculator

Calculate how much you need for semi-retirement with part-time work. See how Barista FIRE compares to traditional FIRE timelines.

✓ Part-time income scenarios
✓ Reduced portfolio needs
✓ Timeline comparison
Calculate Barista FIRE
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Geographic FIRE Calculator

Compare FIRE numbers across different cities and countries. See how location affects your path to financial independence.

✓ Cost of living comparisons
✓ Global locations included
✓ Geographic arbitrage strategy
Compare Locations
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Savings Rate Calculator

See how different savings rates affect your timeline to FIRE. Optimize your savings strategy for faster financial independence.

✓ Multiple savings scenarios
✓ Timeline comparisons
✓ Optimization insights
Optimize Savings Rate
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Compound Interest Calculator

Calculate investment growth with different compounding frequencies. See how daily, monthly, quarterly, or yearly compounding affects your returns.

✓ Multiple compound frequencies
✓ Optional monthly contributions
✓ Total interest breakdown
Calculate Growth
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Retirement Withdrawal Calculator

Find out how long your retirement savings will last. Test different withdrawal rates and see the impact of inflation on your portfolio.

✓ Withdrawal rate analysis
✓ Inflation adjustments
✓ Success probability
Check Portfolio Longevity
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FIRE Milestone Tracker

Visualize your progress through key financial milestones. Track your journey from emergency fund to full FIRE with timeline projections.

✓ 6 key FIRE milestones
✓ Progress visualization
✓ Timeline projections
Track Your Progress
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Tax-Optimized FIRE Calculator

Compare Traditional vs Roth retirement strategies to maximize your after-tax wealth. See which approach saves you the most money.

✓ Traditional vs Roth comparison
✓ Tax bracket optimization
✓ After-tax wealth projection
Optimize Tax Strategy
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Side Hustle ROI Calculator

Compare different side hustle opportunities and see how they accelerate your FIRE timeline. Evaluate ROI, time investment, and impact.

✓ 6 popular side hustle options
✓ ROI and hourly rate analysis
✓ FIRE timeline acceleration
Compare Side Hustles
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Rent vs Buy for FIRE

Should you rent or buy for optimal FIRE progress? Compare true costs including opportunity costs, appreciation, and investment alternatives.

✓ Opportunity cost analysis
✓ Year-by-year breakdown
✓ Break-even calculations
Compare Rent vs Buy
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Emergency Fund Calculator

Build the optimal emergency fund for your FIRE journey. Get personalized recommendations based on your risk level and family situation.

✓ Personalized risk assessment
✓ Timeline to completion
✓ Multiple scenario comparison
Calculate Emergency Fund

Why Use Our FIRE Calculators?

Unlike basic retirement calculators, our FIRE tools are specifically designed for early retirement planning. We use the Trinity Study's 4% safe withdrawal rate, historical S&P 500 returns, and real inflation data to provide accurate projections for Financial Independence Retire Early (FIRE) scenarios.

Complete FIRE Calculator Suite Includes:

  • ✅ 5 FIRE Type Calculators: Traditional, Lean, Fat, Coast, and Barista FIRE
  • ✅ Investment Tools: Compound interest, savings rate optimization, tax strategies
  • ✅ Planning Tools: Geographic arbitrage, rent vs buy, emergency fund sizing
  • ✅ Progress Tracking: Milestone tracker, timeline projections, withdrawal planning

Learn More About FIRE

New to Financial Independence? Start with our comprehensive guides: