Free retirement planner & FIRE calculator
A free early retirement calculator and retirement planner.
Assumes 5% a year after inflation, the 4% rule, and no Social Security or pension.
FIRE: financial independence, retire early. Free. No sign-up. No ads.
The Fire Planner
Connected to firenum, your assistant answers with the Fire Planner's numbers and a link to your plan.
Retirement planning calculators, one question each.
Hand-picked fee-only advisors and coaches who work with early retirees. Flat or hourly fees.
About 25 times what you spend in a year: $40,000 a year needs $1,000,000. That's the 4% rule, tested on 30-year US retirements. Stop at 40 and yours may run 50 years, so test your own plan against every US start year since 1872 before you quit.
The amount invested that pays your spending without a paycheck: your yearly spending divided by your withdrawal rate.
When what you have, plus what you save each month, grows to your FIRE number. $50,000 invested and $2,000 a month at 5% after inflation reach $1,200,000 in 24 years.
From nothing invested, saving half your take-home pay takes about 17 years; 40% takes 22, 30% takes 28. Money you already have shortens all of them.
Yes. firenum is a free retirement calculator for couples: add a partner, file jointly or as two singles, give every account and income an owner, and set a retirement date for each of you.
Yes, US taxes. firenum is a retirement calculator with taxes: federal, state (all 50 and DC) and payroll tax every year, tax on capital gains and Social Security, RMDs and the 10% early-withdrawal penalty.
Yes. firenum is a retirement calculator with Social Security: enter the benefit from your statement and a claiming age from 62 to 70, or estimate it from your salary history. Spousal top-up and a benefit-cut stress test are built in. A pension is an income from the age it starts.
Yes. Add one-time money in or out on a date (a down payment, an inheritance), expenses that end (a mortgage, childcare, college) and incomes that start and stop (rent, part-time work).
Yes. Spend taxable money first, then a Roth conversion ladder: firenum works out the 10% penalty and marks any year that pays it. 72(t) and the Rule of 55 aren't modeled.
Yes. Add healthcare as an expense until 65; it rises faster than inflation. With US taxes on, a Marketplace plan gets the ACA premium credit.
More than one average return. firenum is a realistic retirement calculator: it checks your date against 500 random markets and every US start year since 1872, with taxes, inflation by expense and stress tests.
No account needed. The planner runs in your browser and your plan is saved there; a free account keeps it on any device. Nothing is behind a paywall. The privacy page has the details.
Yes, in 9 currencies. Leave taxes off and enter take-home pay; a state pension is an income from the age you claim it.