FIRE calculators

FIRE stands for Financial Independence, Retire Early. The idea is simple: spend less than you earn, invest the difference, and stop working full-time once your investments can carry you. The hard part is the numbers. How much is "enough"? How much do you need to save each month to get there? That is what these calculators answer. Start with the headline number if you are new. Start with Coast FIRE if you already have savings and want to know when you can ease off. Most people overcomplicate FIRE with spreadsheets the size of a mortgage application. You don't need that to start. You need one honest number for your spending, one return rate you believe in, and ten minutes. The savings and growth calculators fill in the middle, and net worth keeps score. Run it once a quarter and watch the trend line. Every tool shows its formula and a worked example, so you can check the result by hand. No sign-up, no email wall.

All FIRE calculators

Flagship
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Coast FIRE Calculator

How much you need saved today so growth alone funds your retirement.
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FIRE Calculator

Your full FIRE number, and what to save each year to reach it.
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Barista FIRE Calculator

How part-time income shrinks your early-retirement target.
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Retirement Savings Calculator

Project your nest egg from monthly contributions and returns.
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Investment Growth Calculator

Watch a lump sum compound over years, with and without top-ups.
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Savings Goal Calculator

Need a target amount by a date? This is your required monthly saving.
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Net Worth Calculator

Assets minus liabilities. Your financial scorecard, one number.

Which one fits your question?

I want to know when I can stop saving entirely Coast FIRE Open Coast FIRE → I want my full early-retirement number FIRE Open FIRE → I want part-time work to cover part of retirement Barista FIRE Open Barista FIRE → I save a monthly amount, what does it become? Retirement Savings Open Retirement → I have a lump sum, how much does it grow? Investment Growth Open Growth → I need a target amount by a specific date Savings Goal Open Savings Goal →

Learn the ideas first

New to the whole movement? Our explainer What is Coast FIRE? walks through the concept, the formula, and a full worked example before you touch a calculator. Then go deeper with the rest of the FIRE series: Coast FIRE at 30, 40, or 50, how much you need to Coast FIRE at 35, how Coast FIRE accounts for inflation, and why return-rate assumptions skew the result.

FIRE questions, answered

What is the difference between FIRE and Coast FIRE?
FIRE means your investments fully cover your spending and you stop working. Coast FIRE is the earlier milestone: your savings are big enough that growth alone finishes the job by retirement age. You keep working, but saving for retirement becomes optional.
Which FIRE calculator should I start with?
If you already have savings, start with Coast FIRE. It answers the most motivating question: am I ahead or behind? If you are starting from zero, use the full FIRE calculator to get your headline number, then the savings goal calculator to turn it into a monthly target.
What return rate should I use?
Seven percent is the standard choice: roughly the long-term real return of the US stock market after inflation. Entering spending in today's dollars and using 7% keeps both sides of the math in today's dollars. Prefer caution? Run it at 5% as well and compare.
Do these calculators account for inflation?
Yes, as long as you are consistent. Enter spending in today's dollars and use a real (after-inflation) return like 7%. Both sides of the equation stay in today's dollars, so inflation cancels out.
Are these calculators financial advice?
No. They are educational tools built on simplified models. The math is correct, but real life includes taxes, fees, and market crashes that no simple calculator models. Use the results as a starting point, then talk to a qualified professional for decisions.