UntilFireUntilFire

Make work
optional.

See the date when work can become optional, understand what moves it closer, and take your first step with confidence.

No account needed · Numbers stay private · Takes 60 seconds

Securely connects to 14,000+ banks & brokerages

ChaseFidelityVanguardSchwabBank of AmericaWells FargoSoFiRobinhoodAmexCitiUS BankDiscover
🔒Bank-level encryption👁Read-only access🔐Your data stays yours

From today's numbers
to a clear next step.

UntilFire shows where you stand, what matters now, and what to do next — so you can move toward work optionality with confidence.

1
See your freedom date
Enter a few numbers. Get the date when work becomes optional.
2
Understand what moves it
See which changes shorten your timeline the most.
3
Take your first step
Get one clear action you can act on today.

Not just a calculator.
A clearer path.

UntilFire helps you understand where you stand, what to change, and how to keep moving forward.

Designed for one outcome
Every feature is built to help you reach work optionality — from your first calculation to monthly progress.
Start before you commit
See your freedom date and first next move without creating an account. Upgrade when you want ongoing tracking.
Focus on what matters
Skip the noise. UntilFire surfaces the moves that move your date the most — based on your numbers.
A living plan
Life changes. Your plan adapts. UntilFire keeps the path clear as your situation evolves.

Start free.
Upgrade for more depth.

See your freedom date and first move without an account. Go Pro when you want deeper guidance and ongoing tracking.

Free
$0

Your freedom date and first next move.

Freedom date calculation
One clear next move
Decision sliders
Shareable result card
1 bank + 1 brokerage sync
Most helpful
Pro
$4.99/mo

Deeper guidance and connected progress.

Everything in Free
Ranked next moves by time saved
Action plan from your spending
Unlimited bank & brokerage sync
Progress tracking & reports
Start Pro trial

Pro includes Stripe billing. Cancel anytime from your dashboard.

What early users say

“Seeing the date change when I adjusted my savings — that was the moment it clicked.”

— Beta user

“I use 3 apps and a spreadsheet. None of them tell me if I'm actually on track.”

— Beta survey

“Finally an app that tells me what to do, not just where my money went.”

— Beta user

Common questions

What is a freedom date?

The date when work can become optional based on your current income, spending, and savings. It's a starting line you can move closer with better choices.

How is this different from a calculator?

Most calculators stop at a number. UntilFire starts there and turns it into a plan: what matters, what to change next, and how to move forward.

Do I need an account?

No. You can see your freedom date and first move without creating an account. Create one when you want to save your plan and track progress.

Is this financial advice?

No. UntilFire is planning software that helps you understand scenarios and tradeoffs. It does not replace a licensed financial adviser.

One step toward
work optionality.

See your freedom date today. No account required.

Personal finance that sets you free

FIRE Calculator — Find Your Freedom Date and FIRE Number

UntilFire is a free FIRE calculator and personal finance planner for anyone chasing financial independence and early retirement. Enter your income, spending, and savings, and we'll show your FIRE number, your freedom date, and the single move that brings early retirement closer — no account needed.

Most calculators stop at a number. UntilFire does it with you: a clear path, a next move, and continuity toward work optionality — built on the same 25× rule and 4% safe withdrawal math the FIRE community trusts.

How the FIRE calculator works

1

Tell us your numbers

Income, monthly spending or savings, and current net worth. Location and age are optional.

2

See your freedom date

We estimate your FIRE number with the 25× rule and project the year work becomes optional.

3

Find your next move

See how saving more, spending less, or earning more pulls your retirement date earlier.

Free FIRE calculators

4% Rule / FIRE Number Calculator
How much you need to retire, using the 25× rule.
Coast FIRE Calculator
See if your investments can coast to FIRE on their own.
Savings Rate Calculator
Turn your savings rate into a retirement timeline.
Compound Interest Calculator
Watch how contributions and growth compound over time.
APY Calculator
Compare real returns across savings and investment rates.

FIRE number by city

How much you need to retire depends on where you live. Explore FIRE numbers and cost-of-living context for popular cities, or browse all city FIRE guides.

Austin, TX FIRE numberLondon, UK FIRE numberSingapore FIRE numberShanghai, China FIRE numberDubai, UAE FIRE number

FIRE calculator — frequently asked questions

What is a FIRE calculator?

A FIRE (Financial Independence, Retire Early) calculator estimates how much you need invested to stop relying on a paycheck, and when you could reach that point. UntilFire turns your income, spending, and savings into a freedom date — the year work becomes optional — in about 60 seconds, no login required.

How much money do I need to retire early?

The most common FIRE rule is 25× your annual spending — the amount that lets you withdraw about 4% per year. If you spend $50,000 a year, your FIRE number is roughly $1.25 million. Your real target depends on your cost of living, taxes, and the lifestyle you want, which is why UntilFire personalizes it to you.

What is my FIRE number?

Your FIRE number is the portfolio size that can fund your lifestyle indefinitely at a safe withdrawal rate. Multiply your expected annual expenses by 25 for a quick estimate, or run the calculator above for a number adjusted to your city, income, and savings rate.

What is a freedom date?

Your freedom date is the year you could stop working for money because your investments cover your expenses. It moves earlier when you raise your savings rate, lower your spending, or grow your income — and UntilFire shows you exactly which move brings it closer.

What are Coast, Barista, Lean, and Fat FIRE?

They're variations on the same goal. Coast FIRE means you've invested enough that growth alone reaches your number by traditional retirement age. Barista FIRE blends part-time work with portfolio income. Lean FIRE targets a frugal lifestyle, while Fat FIRE funds a more comfortable one. UntilFire helps you plan toward whichever fits your life.

FIRE learning hub →What is FIRE? →All calculators →Pricing →