Enter four numbers. See the exact age you could stop working, and how small changes move it. No sign-up. 100% private: your numbers never leave your device.
Use today's dollars. Rough guesses are fine.
Your portfolio grows while you work, then pays for your life once it crosses your FI number.
Tap one to apply it.
Your numbers, year by year, in a spreadsheet you can open in Excel or Google Sheets. Plus a short email course on retiring early.
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The complete FIRE Planner: budget, tax and investing templates plus a guided 30-day plan.
Your FI (financial independence) number is how much you need invested so that a safe yearly withdrawal covers your spending. At a 4% withdrawal rate that's your yearly spending × 25. Spend $40,000 a year and you need about $1,000,000.
We grow your current savings month by month at your expected return, add what you save each month (take-home pay minus spending), and find the first month your balance reaches your FI number. Everything is in today's dollars, so inflation is already accounted for.
Research on historical U.S. market returns found that withdrawing about 4% of a portfolio in year one, then adjusting for inflation, lasted 30+ years in most periods. People retiring very early often use 3.25 to 3.5% to be safer.
Coast FIRE means you've already invested enough that, without adding another dollar, it will grow to your FI number by age 67. From that point you only need to earn enough to cover your bills.
Saving more does two things at once: your money grows faster, and your FI number shrinks because you've proven you can live on less. That's why cutting spending usually beats a raise.
No. All math runs in your browser. Your inputs are saved only on your own device so they're there when you come back.