FIRE Calculator - Retire Early

Stop guessing when you can retire. FIRE Calculator gives you real answers backed by data.

FIRE (Financial Independence, Retire Early) isn’t just a dream — it’s math.
Enter your savings, expenses, and investment returns to see exactly how many years stand between you and financial freedom.

🔍 WHAT MAKES THIS DIFFERENT

Most retirement calculators give you a single number and call it a day.
FIRE Calculator shows you the full picture:

• How likely is your plan to survive a market crash?
• What happens if inflation is higher than expected?
• When can you stop saving and let compound interest do the rest?

🧰 YOUR TOOLKIT
⚡ Simple Calculator

Start here:
• Enter your age, savings, monthly contributions, and expenses
• Get your FIRE number and countdown in seconds

🧠 Advanced Calculator

Add real-world complexity:
• Portfolio allocation (stocks / bonds)
• Inflation adjustments
• Life phases (career changes, kids, sabbaticals)
• Additional income (rental income, side business, future inheritance)

🎲 Monte Carlo Simulation

Run 1,000 randomized scenarios based on real return distributions:
• See your probability of success
• Explore outcomes from the 10th to 90th percentile
• Understand best- and worst-case scenarios

📈 Historical Backtest

Test your plan against real market history:
• Simulate starting in different years (e.g., 2000 or 1987)
• Based on S&P 500 and MSCI World data
• Understand sequence-of-returns risk before it hits

☕ Coast & Barista FIRE

Explore flexible paths to financial independence:
• Coast FIRE — stop saving and let investments grow
• Barista FIRE — switch to part-time work

💸 3 Withdrawal Strategies

Choose how you draw down your portfolio:
• Fixed 4% Rule — the classic approach
• Guardrails (Guyton-Klinger) — adjusts spending dynamically
• Variable Percentage Withdrawal (VPW) — adapts to age and portfolio

📊 Progress Tracker

Stay on track and motivated:
• Save your plan
• Log portfolio snapshots over time
• Compare real progress with projections

📄 PDF Export

Export your full FIRE plan as a clean, professional PDF report.

🔒 BUILT FOR PRIVACY

Your financial data stays on your device:
• No account required
• No data uploaded
• No tracking

Your numbers are yours alone.

🌍 AVAILABLE IN 8 LANGUAGES

English, Czech, German, French, Italian, Polish, Portuguese, and Spanish

🌙 Dark mode supported
💡 No subscription
🆓 Free to use

Download FIRE Calculator and discover when you can stop working — backed by data, not hope.

⚠️ DISCLAIMER

FIRE Calculator is a financial planning tool for educational and informational purposes only.
It does not constitute financial, investment, tax, or retirement advice.

All projections, simulations, and calculations are based on mathematical models and historical data, which may not reflect future market conditions.

• Past performance (e.g., S&P 500, MSCI World) does not guarantee future results
• Actual returns, inflation, and market conditions may differ significantly
• Always consult a qualified financial advisor before making financial decisions

The developer assumes no liability for decisions made based on this application.

Recent changes:
Fix for input handling in advanced calculation.