Free FIRE calculators
New to retirement planning? Start with the guided retirement checkup. Every detailed tool shares assumptions and can be linked via URL. Coast and Years include a free basic stress test. Or use the all-in-one calculator hub.
Retirement Checkup
Answer six simple questions and get one clear status, an estimated retirement age, and practical next steps.
FIRE Number
Estimate how much you need to invest based on yearly spending and the percentage you plan to withdraw.
Years to FIRE
Estimate how many years it may take to reach your goal, then test how savings and market returns change the date.
Coast FIRE
See whether your current savings could grow enough for retirement without more contributions.
Barista FIRE
See how part-time income could reduce the amount you need invested.
Two-Phase Coast FIRE
Model contribution years followed by no-contribution Coast years.
Couples FIRE
Combine two portfolios and income streams against shared household spending.
Retirement Age
Estimate the age when savings and portfolio growth reach a spending-based target.
Can I Retire With This Portfolio?
Compare any portfolio amount with spending after Social Security, pension, or other income.
Withdrawal Guardrails
Convert withdrawal-rate guardrails into portfolio triggers and spending adjustments.
2026 Roth Conversion Estimate
Estimate current-year incremental regular federal income tax for one proposed conversion using progressive brackets.
SEPP methodology preview — validation pending
Explore Notice 2022-6 example inputs, methodology, limitations, and official sources without an actionable payment output.
Healthcare Before Medicare
Budget premiums, out-of-pocket costs, subsidies, and medical inflation through age 65.
Scenario A/B compare
Pin a baseline and compare FIRE, years, Coast, and Barista side by side.
Savings rate table
See how different savings rates change years to FI.