The free FIRE calculator
How far are you from financial independence?
Hikers stack cairns so the next person can find the trail. Enter five numbers and see yours: your FI date, your coast point, and every marker between here and the summit. No signup, no email.
Retirement accounts, brokerage, cash you invest
Real (after inflation). The long-run stock market average is ~5–7% real.
4% is the classic rule; 3.5% is more conservative.
- FI number
- $1,375,000
- Savings rate
- 35%
- Invested / yr
- $30,000
Projected net worth · today's dollars
Your cairn — the markers ahead
- Financial independenceMay 2048 · $1.38M
- Halfway stoneSeptember 2039 · $688k
- Coast point (retire at 65)July 2033 · $349k
- A quarter of the wayJune 2033 · $344k
- First 10% savedJune 2028 · $138k
Want the full trail map, not just the summit date?
Your personal FIRE roadmap: year-by-year plan, what moves your date, and a drawdown schedule to age 95.
Coast FIRE calculator
The number where you can stop saving entirely and still retire on time — growth does the rest of the climb.
Drawdown calculator
How long will your savings actually last at your spending? The honest answer, month by month.
How the math works
Your FI number
Annual spending ÷ withdrawal rate. At the classic 4% rule that's 25× your spending — the pot that sustains you indefinitely.
Real returns
Everything is in today's dollars with inflation-adjusted returns, so the results mean what they say. No nominal-dollar illusions.
Monthly compounding
Contributions land monthly and compound monthly — the way saving actually happens, not a once-a-year approximation.