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Free financial calculators
Ten free calculators for the FI and FIRE questions people actually ask — grouped by what you're trying to decide. Pick a question below.
Your FI number & path
Start here: the core number every other calculator builds on, plus the guide that explains it.
FIRE by lifestyle
The same core math, aimed at the flavour of early retirement you're planning for.
- Free · no signupCan you stop saving yet?The smaller amount that grows to full FI on its own — stop saving, keep coasting.Open
- Free · no signupCould part-time work bridge the gap?How steady part-time income shrinks the portfolio you need to semi-retire.Open
- Free · no signupHow soon on a frugal budget?Reach financial independence sooner on a deliberately frugal budget.Open
- Free · no signupWant to retire without compromises?Fund a no-compromises, higher-spending early retirement.Open
- Free · no signupSomewhere between lean and fat?The comfortable middle band between lean and fat FIRE.Open
Big money decisions
Tools for the choices that move your plan the most — a job change, where you stand, your risks.
- Free · no signupCan you afford the pay cut?What a career change costs you, in years of FI.Open
- Free · no signupWhere does your net worth rank?Your percentile by age, on real 2022 Federal Reserve data.Open
- Free · no signupWill you get an ACA subsidy?Estimate the ACA health-insurance subsidy for an early-retirement year (2026 plan year).Open
- Free in the appWill your money last?See your retirement chance of success — the Monte Carlo headline number, free.Open
A single number is where planning starts, not where it ends. When you want the full picture — taxes, a Monte Carlo chance of success, and a plan you can track — the free FI calculator is the place to begin.