FIRE & Early Retirement Calculators
Plan your path to financial independence and early retirement with our comprehensive suite of free FIRE calculators. All tools are 100% free with no registration required.
What is FIRE?
FIRE (Financial Independence, Retire Early) is a movement focused on saving and investing aggressively to achieve financial independence and the option to retire decades earlier than traditional retirement age.
The core principle is simple: save 50-70% of your income, invest wisely, and accumulate 25-30x your annual expenses. Once you reach this milestone, you can live off investment returns and never need to work again (unless you want to).
Our calculators help you determine your FIRE number, track progress, and explore different FIRE strategies that match your lifestyle and goals.
All FIRE Calculators
⭐Priority Calculators (Start Here)
All FIRE Calculators
4% Rule Calculator
Determine safe withdrawal rates for retirement
720/moLean FIRE Calculator
Calculate early retirement with minimal expenses
Fat FIRE Calculator
Plan for luxurious early retirement lifestyle
Safe Withdrawal Rate Calculator
Find your personalized safe withdrawal percentage
Early Retirement Age Calculator
Discover when you can retire based on savings rate
FI Ratio Calculator
Track your progress to financial independence
FIRE Timeline Calculator
Project your complete journey to financial independence
Types of FIRE Comparison
| Type | Description | Timeline | Lifestyle |
|---|---|---|---|
| Coast FIRE | Save enough early, then stop saving and let it grow | 5-15 years | Work for expenses, no retirement savings needed |
| Barista FIRE | Work part-time for health insurance and extra income | 10-20 years | Part-time work with reduced stress |
| Lean FIRE | Retire early with minimal expenses | 5-10 years | Frugal but free |
| Regular FIRE | Full financial independence with comfortable lifestyle | 15-25 years | Comfortable retirement |
| Fat FIRE | Retire with luxurious lifestyle | 20-30 years | High spending power |
Getting Started with FIRE
Step 1: Calculate Your Number
Use our FIRE Number Calculator to determine how much you need to retire. The basic formula is: Annual Expenses × 25 = FIRE Number
Calculate Now →Step 2: Track Progress
Monitor your journey with our FI Ratio Calculator. See exactly how close you are to financial independence.
Track Progress →Why Use Our FIRE Calculators?
- ✓100% Free: No hidden costs or premium features
- ✓No Registration: Start calculating immediately
- ✓Privacy First: All calculations happen in your browser
- ✓Comprehensive: 10 different FIRE calculators
- ✓Accurate: Based on proven FIRE principles
- ✓Easy to Use: Simple inputs, instant results