FIRE Calculators

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a financial movement focused on extreme savings and investment to retire much earlier than traditional retirement age. The core principle is simple: save aggressively, invest wisely, and once your investments can cover your living expenses indefinitely, you achieve financial independence.

What is the 4% rule?

The 4% rule (or 25x rule) states that if you can live on 4% of your portfolio per year, you need to save 25 times your annual expenses. For example, if you spend $40,000 per year, you need $1,000,000 to be financially independent. This is based on the Trinity Study research.

Is my financial data stored or tracked?

No. FIRE Calculators is 100% private. All calculator data is stored only in URL parameters - never in databases, cookies, or local storage. Only UI preferences like theme and sidebar state are stored locally. There are no analytics, no tracking scripts, and all calculations run client-side in your browser.

What calculators are available?

We offer 10 free calculators: Standard FIRE (classic 25x rule), Coast FIRE (compound growth calculator), Lean FIRE (minimalist approach), Fat FIRE (luxury retirement), Barista FIRE (part-time work blend), Reverse FIRE (work backwards from target age), Withdrawal Rate (portfolio longevity), Savings Rate (time to FIRE), Debt Payoff (snowball/avalanche strategies), and Healthcare Gap (early retirement healthcare costs).

Does this work offline?

Yes. After the first load, the FIRE Calculator works completely offline as a Progressive Web App (PWA). You can install it on your device for the best experience and use it anywhere without an internet connection.