When can you stop
working for money?
Eight free calculators that answer the questions behind financial independence — no finance degree needed. Enter your numbers, get your answer in seconds.
No sign-up. No email. Just the math.
Three calculators. That's all you need to begin.
You don't need to understand all 8 calculators right away. Start with these three — in order.
Find your FIRE number
This is the total amount of money you need saved/invested to never need a paycheck again.
FIRE Number Calculator →See how fast you're getting there
Based on your income and spending, find out your savings rate and how many years until you hit your number.
Savings Rate Calculator →Get your retirement date
Run a year-by-year projection to see the exact age you can stop working.
Retirement Date Calculator →All eight calculators.
Every tool you need for financial independence, in one place.
How much money do I need to retire?
FIRE Number Calculator
Enter your yearly spending — we'll tell you the exact portfolio size you need to never work again.
What year will I actually be able to retire?
When Can I Retire?
Enter your savings, income, and expenses — get a year-by-year roadmap showing exactly when you hit your goal.
How fast am I saving money?
Savings Rate Calculator
Enter your income and spending — see your savings rate and how many years until you're financially free.
Can I stop saving and just let my money grow?
Coast FIRE Calculator
Check if your current savings are already enough to compound to your retirement goal on their own — no new contributions needed.
What if I work part-time instead of fully retiring?
Barista FIRE Calculator
See how a small part-time income (like a barista job) dramatically shrinks the portfolio you need to retire.
Can I retire early on a tight budget?
Lean FIRE Calculator
Planning to live simply and spend less in retirement? See how a frugal lifestyle can get you to freedom years earlier.
I want a comfortable retirement — not just scraping by.
Chubby FIRE Calculator
A step above the basics — calculate the portfolio you need for a comfortable life with a solid financial cushion.
What if I want to retire rich?
Fat FIRE Calculator
Target a high-spending retirement — travel freely, cover healthcare, and live well above your current lifestyle.
What is FIRE — explained simply.
In plain English:
Imagine having a big pile of money invested in stocks or funds. If that pile is large enough, it grows by more than you spend each year — so you can live off the growth forever, without ever touching a paycheck again. FIRE is simply the plan to build that pile as fast as possible.
FIRE stands for Financial Independence, Retire Early. The math is simpler than it sounds:
The rule of thumb
Your FIRE number = Annual spending × 25
Spend ₹6L/year? You need ₹1.5 Cr invested. Spend $50K/year? You need $1.25M.
The "25×" comes from the 4% safe withdrawal rate — a rule backed by decades of research saying you can safely spend 4% of your portfolio each year without running out of money (because good investments grow at roughly 7% per year after inflation, covering your withdrawals and then some).
The different types of FIRE — which one fits you?
How the calculators work together
Each tool answers a different question. Start with the FIRE Number Calculator to find your target. Then use the Savings Rate Calculator to understand how fast you're building toward it. Finally, the When Can I Retire? calculator gives you a precise year to aim for.
All calculators update instantly as you drag the sliders, use real inflation-adjusted returns, and encode your inputs into a shareable URL. No sign-up. No email. Just the math.
The 4 numbers behind every FIRE calculation
Built to be better than the rest.
Shareable results
Every calculation encodes to a URL — copy it and share your exact scenario.
Real-time math
Drag a slider, see the answer update instantly. No submit button needed.
Dark mode
Easy on the eyes, day or night.
Print-friendly
Clean print styles so you can take your results to a financial adviser.
About The FIRE Number
The FIRE Number calculators are for educational purposes only and do not constitute financial advice. All figures use inflation-adjusted (real) returns. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.