Calculators
Start with one specific question like your FIRE number, Coast FIRE target, savings rate, or APY. Then move into the full UntilFire calculator when you want your retirement date adjusted for your city, income, and spending.
Find your FIRE date, FIRE number, Coast FIRE milestone, savings rate, and monthly moves in one planning flow.
See the compound value of any purchase at your freedom date and exactly how many days it delays your financial independence.
Estimate how much you need invested to retire using the 4% rule and adjustable withdrawal rates.
Find the amount you need invested today so compound growth can carry you to retirement later.
Calculate your savings rate and see how the percentage you keep changes your FIRE timeline.
Project investment growth over time with monthly contributions and compounding.
Convert APR to APY and see how compounding frequency changes your real annual yield.
Spin the globe to find cities where your savings unlocks early retirement. 392 cities, color-coded by FIRE readiness.
The calculator pages are designed for high-intent search queries. Someone looking for an APY calculator has a different immediate question than someone looking for a FIRE number calculator. The goal is to answer both well, then connect them back to the full planning journey.
If you are just starting, begin with the FIRE Calculator for the full freedom-date view, then use the FIRE Number Calculator to pressure-test withdrawal rates. If you are comparing milestones, use the Coast FIRE Calculator. If you want to understand the concepts before you model them, the Learning Hub explains the assumptions behind the math.
Start with the full FIRE calculator if you want a complete retirement date and plan. Use the individual calculators for specific questions: FIRE number calculator for a target, coast FIRE for a milestone, savings rate for understanding your lever, compound interest for growth, and APY for savings account comparisons.
It shows how much you need invested based on your annual spending and a withdrawal rate (3%, 4%, or 5%). The default 4% rule suggests multiplying spending by 25. Adjust the withdrawal rate to pressure-test your assumptions for a longer or earlier retirement.
Coast FIRE is the point where your existing portfolio, untouched, will grow to your full FIRE number by age 65. Regular FIRE means having enough to retire immediately. Coast FIRE is useful when you want work to feel optional sooner but don't need to stop earning entirely.
Use the FIRE number calculator for a baseline target, then visit the city pages in the calculators hub to see how the same target translates across different locations. Each city page shows the FIRE number, Coast FIRE number, and monthly savings timeline for that city's cost of living.
These tools give you a starting estimate based on standard assumptions. Your actual FIRE date depends on your specific income, spending, taxes, healthcare, Social Security, market returns, and flexibility. Use them to understand the levers, then refine with the full FIRE calculator or a financial adviser for major decisions.