Know exactly when you can stop working.
Free FIRE calculators that find your number, your date, and how likely your plan is to survive a real market. Coast, Barista, Lean, Fat and everything in between.
Quick estimate
Your FIRE number
$1,250,000
Years until work is optional
20
Saving 44% of your pay, at a 3.8% real return and a 4% withdrawal rate.
Honest math for an early exit 🔥
Stress-tested, not just averaged
Every plan runs through 2,000 Monte Carlo simulations and every retirement start year from 1928 to today.
Built for real lives
Social Security that starts at 67, part-time income that ends at 60, pensions, couples and fees. All in today's dollars.
Private by design
No sign-up and no email. Your numbers are calculated in your browser and never sent to us.
Pick your calculator
Sixteen tools, one engine. Results carry over when you share a link.
- FIRE CalculatorWhen can you retire? Your FIRE number, FI age and odds of success, tested against 98 years of market history.Open →
- Coast FIRE CalculatorFind the balance where you can stop saving and let compounding carry you to retirement.Open →
- Barista FIRE CalculatorSee how much part-time income shrinks the portfolio you need to leave full-time work.Open →
- FIRE Number CalculatorHow much you need to retire, adjusted for Social Security, pensions and your withdrawal rate.Open →
- Lean FIRE CalculatorBuild a lean retirement budget line by line and see how fast a frugal plan gets you free.Open →
- Fat FIRE CalculatorPlan a high-spending retirement with taxes, lower withdrawal rates and Chubby FIRE tiers.Open →
- Early Retirement CalculatorPick the age you want to retire and get the savings you need, plus how to bridge to 59½.Open →
- How Much Do I Need to Retire?A nest-egg target built from your spending, retirement length and guaranteed income.Open →
- How Long Will My Savings Last?See how many years your retirement savings last, and the odds across every market since 1928.Open →
- 401(k) CalculatorProject your 401(k) balance with your employer match, 2026 contribution limits and catch-up contributions.Open →
- Roth vs Traditional 401(k) CalculatorCompare Roth and traditional 401(k) contributions after tax, using the 2026 federal tax brackets.Open →
- Retirement CalculatorA free retirement savings calculator: will your savings, Social Security and pension cover retirement?Open →
- 4% Rule CalculatorHow much you can spend from your savings with the 4% rule, or how much you need, and how often it held up in history.Open →
- Safe Withdrawal Rate CalculatorFind a withdrawal rate that matches your retirement length, stock mix and tolerance for risk, tested on every market since 1928.Open →
- Retirement Compound Interest CalculatorSee how compound growth builds your retirement savings, and how withdrawals draw it down, in today's dollars.Open →
- Savings Rate CalculatorHow many years to financial independence at your savings rate, and when you reach the crossover point.Open →
What 98 years of markets say about the 4% rule
We replayed every retirement since 1928 using actual US stock, bond and inflation data through 2025. A 4% withdrawal from a 60/40 portfolio held up in most 30-year retirements, but early retirees need their money to last much longer.
Read the full 4% rule analysis →- 30-year retirements that lasted at 4%
- 94%
- 50-year retirements that lasted at 4%
- 76%
- US stocks' real return per year
- 6.8%
- Worst real year for stocks (1931)
- -38%
Our calculation from Damodaran's NYU Stern dataset, 1928-2025; 60% S&P 500 / 40% 10-year Treasuries rebalanced yearly, no fees. See methodology.
Guides
Plain-English explanations with the math shown.
- What Is Coast FIRE? Meaning, How It Works and ExamplesCoast FIRE explained in plain English: the formula, the coast number by age, pros and cons, and how to know when you can stop saving.
- How to Calculate Your FIRE Number (Beyond 25x)The 25x rule, when it breaks, and how to adjust your FIRE number for Social Security, pensions, healthcare and early-retirement taxes.
- The 4% Rule: What the Research Actually SaysWhere the 4% rule came from, what the Trinity study found, why early retirees often use 3.25% to 3.5%, and how our backtest compares.
- What Is Barista FIRE? The Part-Time Path to FreedomHow Barista FIRE works, how much part-time income you need, health insurance before Medicare, and a worked example.
- What Is Fat FIRE? Lean vs Chubby vs Fat FIRE ComparedFat FIRE defined, the spending tiers from Lean to Fat, what each needs at a 4% and 3.5% withdrawal rate, and tax drag at high spending.
- How to Retire at 55: A Step-by-Step PlanHow much you need to retire at 55, the Rule of 55, bridging to Social Security and Medicare, and a sample plan with numbers.
- FIRE Statistics: Withdrawal Rates, Savings and BacktestsFIRE statistics from 98 years of market data and official surveys: how often withdrawal rates survived, retirement savings by age, and how long FIRE takes.
- What Is FIRE? Financial Independence, Retire EarlyFIRE explained: how financial independence and early retirement work, the math behind your FIRE number, the types of FIRE, and the risks to plan for.
- Coast FIRE vs Barista FIRE: Which Fits Your Plan?Coast FIRE vs Barista FIRE compared with worked numbers: what each needs, how the work differs, health insurance, risks, and how to choose between them.
- How to Retire at 40: How Much You Need and a PlanHow much you need to retire at 40, the savings rate it takes, how to reach your money before 59½, health cover, and a sample plan with numbers.