Planning your FIRE escape?

We built the tools for it.

Free FIRE calculators for every stage — from first savings to withdrawal strategy. Coast FIRE, barista FIRE, lean vs fat, expat FIRE, and more.

Your Tools

FIRE Calculator

See how long financial independence could take, how much you need, and how sensitive the plan is to savings and return assumptions.

FIRE Calculator for Expats

Calculate your FIRE number adjusted for a destination country's cost of living, healthcare costs, tax treaties, and geo-arbitrage savings.

Coast FIRE Part-Time Calculator

Find the minimum part-time income you need once your portfolio is on track to grow to your FIRE number without further contributions.

Barista FIRE Job Calculator

Calculate the minimum income needed from a low-stress job when your portfolio covers most but not all of your annual spending.

Lean FIRE vs Fat FIRE Calculator

Compare lean and fat FIRE targets side by side. See how lifestyle choices affect your FIRE number, timeline, and withdrawal safety.

FIRE Withdrawal Strategy Calculator

Compare the 4% rule against variable withdrawal rates with guardrails. Model sequence-of-returns risk and portfolio longevity.

Coast FIRE Number by Age Calculator

Calculate the exact savings needed today so compound growth alone reaches your retirement target without any future contributions.

FIRE Spending Rate Stress Tester

Stress-test your portfolio at different withdrawal rates and see projected balances at 10, 20, and 30-year marks.

FIRE Healthcare Bridge Calculator

Estimate the total cost of healthcare coverage between early retirement and Medicare, including ACA premiums and HSA offset.

Part-Time FIRE Income Planner

Model how part-time income reduces portfolio withdrawal needs and extends your financial independence timeline by years.

Country FIRE Comparison Tool

Compare FIRE numbers, healthcare quality, visa friendliness, and tax burden across 20 popular international retirement destinations.

Not sure where to start?

Our decision engine walks you through the right calculators based on your situation.

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Frequently Asked Questions

What is Coast FIRE?
Coast FIRE means your portfolio is large enough that market growth alone will carry it to your full FIRE number by retirement age — you just need to cover current expenses from a job.
What is Barista FIRE?
Barista FIRE means you have enough invested to cover most of your spending from withdrawals, but you work a low-stress part-time job to bridge the gap and possibly get health insurance.
How is Lean FIRE different from Fat FIRE?
Lean FIRE targets a frugal lifestyle (~$25-40K/year), while Fat FIRE aims for a comfortable one (~$80-120K+/year). The FIRE number scales proportionally — 25x your annual spending.
Can I FIRE abroad?
Yes — geographic arbitrage can dramatically reduce your FIRE number. Our Expat FIRE Calculator adjusts for destination cost of living, healthcare, and tax treaties across 30 countries.