All Calculators
51 calculators covering the full early retirement journey â from your first savings target to portfolio survival in your 80s. Browse by topic or scroll through all groups.
These tools are self-reflection aids, not clinical instruments. Using this site does not create a therapist-patient relationship or constitute personal advice. Full disclaimer.
FIRE Fundamentals
5Start here. These calculators answer the core questions: what's my number, when can I retire, and am I on track?
FIRE Number Calculator
How much you need invested to retire, based on your annual expenses and withdrawal rate.
Safe Withdrawal Rate Calculator
Estimate sustainable annual income from your portfolio at different withdrawal rates.
Savings Rate Calculator
Calculate your true savings rate, including pretax contributions, and see exactly how many years that rate puts you from financial independence.
Net Worth Projector
Project how your net worth grows over time with contributions and compounding returns.
Life Expectancy & Retirement Horizon
Estimate your life expectancy from health factors and see how it affects your retirement planning horizon, Social Security strategy, and how many years your savings need to last.
FIRE Variations
9Not all FIRE paths look the same. Choose the variation that fits your spending, lifestyle, and timeline â from ultra-frugal Lean FIRE to geographic arbitrage abroad.
Coast FIRE Calculator
Find out if you've already saved enough to stop contributing and let growth carry you to retirement.
Lean FIRE Calculator
Calculate your FIRE number for an ultra-frugal retirement under $40,000 per year. See exactly how radical frugality compresses your timeline compared to average spending.
Chubby FIRE Calculator
Plan a comfortable retirement with $80,000 to $150,000 per year in spending. The sweet spot between lean sacrifice and fat luxury.
Fat FIRE Calculator
Calculate the nest egg needed for a high-spending retirement of $150,000 or more per year, without compromising your lifestyle.
Barista FIRE Calculator
See how a small part-time income reduces the portfolio you need to retire. Named after the strategy of working part-time for health benefits while your investments grow.
Side FIRE Calculator
Calculate your FIRE number when a meaningful side income reduces how much your portfolio needs to cover. Ideal for freelancers, consultants, and online business owners.
Geo FIRE Calculator
Use geographic arbitrage to retire earlier by choosing a lower cost-of-living country. Select from 50 expat destinations and see how your FIRE number shrinks.
Flamingo FIRE Calculator
Reach half your FIRE number, then stop contributing and let compounding do the rest. See exactly when your money grows to full financial independence on its own.
Slow FIRE Calculator
Model a gradual transition to retirement with custom phases: full-time, part-time, and sabbatical years. See how a quality-of-life focused path still reaches FIRE.
Building the Nest Egg
9Tools for the accumulation phase â maximizing contributions, choosing investments, eliminating debt, and finding your investable surplus.
Budget Surplus & Investment Potential
Enter your income and monthly expenses by category to find your investable surplus, savings rate, and what that surplus compounds to over 10, 20, and 30 years.
401(k) Growth Calculator
Project your 401(k) balance at retirement including employer match, salary growth, and compounding, year by year.
Catch-Up Contribution Calculator
Calculate the extra retirement balance you gain from IRS catch-up contributions after age 50, and see how much those extra dollars multiply over time.
Asset Allocation by Age Calculator
Get a suggested stock, bond, and cash allocation for your age and risk profile, with a projected blended return and 20-year portfolio growth estimate.
Debt Payoff vs. Invest Calculator
Compare paying off debt early against investing the same money, side by side.
Debt-to-Income Ratio Calculator
Calculate your front-end and back-end debt-to-income ratios, see how you compare to lender thresholds, and find how much of your income is unavailable for investing.
True Second-Income Calculator
See what a second household income actually nets after marginal federal tax, FICA, state tax, childcare, commuting, and other work costs. Find the real effective hourly rate.
Emergency Fund Calculator
Calculate how many months of expenses your emergency fund should cover based on employment type, income sources, and dependents â and see exactly how much that is in dollars.
Rental Property Investment Calculator
Analyze a rental property's income, expenses, cash flow, and cash-on-cash return. Applies the 1% rule, 50% rule, and full expense breakdown to evaluate whether a property is worth buying.
Retirement Income Planning
6Model where the money comes from after work stops â portfolios, pensions, side income, and how long it all lasts.
Retirement Income Planner
Add up all your retirement income sources, portfolio withdrawals, Social Security, pension, and side income, to see your total monthly and annual picture.
Retirement Savings Longevity Calculator
Find out exactly how many years your retirement savings will last given your planned monthly withdrawals, expected return, and inflation.
Retirement Cash Flow Forecast
Model how long savings last with scheduled income events â Social Security, pension, or side income â each activating at a different age, so the net withdrawal burden changes over time.
Dual-Spouse Retirement Planner
Plan retirement for two working spouses with different ages, incomes, contribution rates, retirement ages, and Social Security claiming ages. Projects combined savings and income in retirement.
Pension vs. Lump Sum Calculator
Compare taking a monthly pension against a one-time lump sum payout. Find the breakeven age and which option wins over your expected lifetime.
Side Income Replacement Calculator
See how part-time or side income lowers the nest egg you need to retire.
Social Security
3When to claim, whether to bridge the gap, and how spousal benefits work â the decisions that affect income for life.
Social Security Bridge Calculator
Calculate the savings needed to bridge the gap between early retirement and claiming Social Security.
Social Security Breakeven Calculator
Compare claiming Social Security early vs. later and find the exact age the higher benefit catches up, factoring in your expected lifespan.
Social Security Spousal Benefit Calculator
Calculate whether a spouse qualifies for a spousal benefit, compare it to their own earned benefit, and see total household Social Security income.
Tax & Account Strategy
6Optimize the after-tax value of every retirement dollar â Roth conversions, RMDs, 72(t) early withdrawals, HSA stacking, and bracket management.
Roth vs. Traditional IRA/401(k) Calculator
Compare Roth and Traditional account contributions side by side and find which leaves you with more money after tax at retirement.
Roth IRA Conversion Calculator
See whether converting Traditional IRA funds to a Roth IRA makes sense for your situation, including the tax cost now versus the tax savings at retirement.
Retirement Tax Bracket Gap Planner
Find how much room you have left in your current federal tax bracket for Roth conversions or additional income before crossing into a higher rate.
Required Minimum Distribution (RMD) Calculator
Calculate your IRS-required annual withdrawal from a Traditional IRA or 401(k) and project how RMDs change over the next 15 years.
72(t) SEPP Early Withdrawal Calculator
Calculate penalty-free early retirement withdrawals under IRS Rule 72(t) using all three IRS-approved methods: RMD, Amortization, and Annuitization.
HSA Triple-Tax Advantage Calculator
Project your Health Savings Account balance at retirement and see how many years of healthcare costs your HSA could cover, completely tax-free.
Risk & Portfolio Protection
4Stress-test the plan. Inflation, bad return sequences, and longevity are the three forces that quietly wreck retirement portfolios.
Monte Carlo Retirement Simulation
Run 500 simulated retirements using random market returns to calculate the probability your portfolio survives. Shows a percentile fan chart of possible outcomes.
Sequence of Returns Risk Calculator
See how the order of investment returns, not just the average, determines whether your retirement portfolio survives. Bad years early are far more dangerous than bad years late.
Inflation Impact Calculator
See what today's spending will cost in future dollars, and how much of your purchasing power inflation erodes over a retirement that could last 30+ years.
Healthcare Cost Bridge Calculator
Estimate the total cost of private health coverage in the years before you qualify for Medicare.
Mind & Money â Hybrid Tools
10These tools pair the financial math with a personal readiness reflection. Each produces a recommendation based on both your numbers and your situation.
Retirement Identity Readiness
Your FIRE number, plus a personal readiness reflection covering identity loss, purpose, and spending discipline.
Money Dysmorphia Check
Compare your objective financial picture against how you actually feel about money, and find out whether your perception is calibrated, inflated, or holding you back.
Burnout vs. True FIRE Check
Weighs your career burnout against your genuine desire to stop working entirely, so you can tell whether early retirement is actually the cure, or just a new job in disguise.
One More Year (OMY) Decision Tool
Weigh the real financial benefit of working another year against the cost in your prime, high-energy retirement years, built for anyone stuck moving the goalposts.
De-Accumulation Cash-Flow Trainer
Turns your personal worry threshold into a concrete cash buffer size and a pre-set spending protocol for a market downturn, so there's nothing to decide in the moment.
Couples FIRE Alignment Calculator
Each partner answers separately across six dimensions, vision, timeline, money, identity, to reveal not just how ready you are, but how aligned you actually are.
72(t) SEPP Readiness Assessment
Calculate your penalty-free 72(t) payment and assess whether your personal situation is actually ready for the irreversible 5-year commitment a SEPP plan requires.
Mortgage Payoff vs. Invest Calculator
Decide whether to pay off your mortgage early or invest the difference, weighing the math against the personal value of being debt-free.
Business Owner Exit-to-Retirement
Model retiring off a business sale or wind-down, with a staged operational transition and delegation timeline.
Personal Investment Policy Statement Generator
Build a written investment policy statement, your purpose, risk tolerance, target allocation, and rebalancing rules, and download it as a PDF you can actually follow when markets get volatile.