Explore retirement assumptions before trusting the target.
Five free retirement and FIRE tools with transparent real/nominal units, contributions, drawdown cash schedules and return-order comparisons. Export the assumptions and inspect every model year.
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5 calculators
FIRE Number Calculator
Translate an annual spending gap and your withdrawal-rate assumption into an illustrative capital target. Compare assumptions without calling any rate safe.
Open calculator ↗Retirement planningCoast FIRE Calculator
Estimate capital needed now to reach an entered retirement target with no further contributions. Keep nominal returns, asset fees and inflation separate.
Open calculator ↗Retirement planningRetirement Savings & Contribution Calculator
Project fixed monthly saving to retirement and solve the contribution implied by a spending-based target. See future currency and today’s purchasing power separately.
Open calculator ↗Drawdown and riskRetirement Withdrawal & Drawdown Calculator
Inspect an annual retirement cash schedule with indexed spending, a fixed return assumption and explicit unfunded withdrawals after depletion.
Open calculator ↗Drawdown and riskSequence of Returns Risk Calculator
Reverse an explicit list of annual returns while holding capital and requested withdrawals fixed. Compare both full schedules without invented historical data.
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Understand the number before using it.
Each calculator includes a formula, worked example, assumptions and reference. Defaults are illustrative inputs, not recommended targets.
Read the methodologyLearn the mechanics
- FIRE vs Coast FIRE: target, starting capital and the missing bridge — Distinguish a retirement spending target from the capital required now to coast without further contributions. Work through consistent, hypothetical numbers.
- Nominal returns, inflation and fees: keep retirement units consistent — Reproduce the model’s growth factors, monthly contribution timing and purchasing-power conversion without mixing current spending with future capital.
- Withdrawal timing and return order: read the cash shortfall, not just the balance — A reproducible two-year sequence example and an explicit depletion example explain what retirement drawdown charts can hide.