Free Retirement Calculators
Free tools for every stage of your FIRE journey — from first savings to the final drawdown. No signup, no credit card, instant results.
Free Retirement Calculator
Calculate exactly when you can retire based on your savings rate, investment returns, and spending needs. Used by thousands of FIRE planners.
Try the calculator →4% Rule Calculator — Safe Withdrawal Rate
Calculate your FIRE number and safe withdrawal amount using the 4% rule from the Trinity Study. Free, instant, no signup required.
Try the calculator →FIRE Number Calculator — Financial Independence
Calculate the exact portfolio size you need to reach financial independence and retire early. Includes taxes, inflation, and Social Security.
Try the calculator →Coast FIRE Calculator — Stop Contributing and Still Retire
Calculate your Coast FIRE number — the amount you need invested today so compound growth alone carries you to retirement, even if you never save another dollar.
Try the calculator →Roth IRA Calculator — Tax-Free Retirement Growth
Calculate how much tax-free wealth you can build in a Roth IRA. Compare Roth vs Traditional and find your optimal Roth conversion strategy.
Try the calculator →Social Security Break-Even Calculator — When to Claim
Calculate the break-even age for claiming Social Security at 62, 67, or 70. See exactly when delaying benefits pays off based on your life expectancy.
Try the calculator →Savings Rate Calculator — How Long Until Financial Independence
Calculate your current savings rate and see exactly how many years until financial independence. Based on the Mr. Money Mustache savings rate framework.
Try the calculator →Ready for a full personalized plan?
These calculators give you a quick answer. The plan editor gives you a year-by-year roadmap — Monte Carlo simulations, tax modeling, scenario comparison, and more.
No credit card. Free forever.