A card is required to start the trial, but you won't be charged until it ends — cancel anytime before then from Manage billing and you'll pay nothing.
Your numbers sync to your account automatically — log in from any device to pick up where you left off.
Getting started
Three steps: (1) fill in Core numbers below and hit "Save & recalculate", (2) optionally open Roth, Family plan, or Temporary expenses for a more precise number, (3) read your FIRE number, chart, and bridge plan lower on the page. Everything syncs to your account automatically.
Core numbers
The baseline inputs every calculation below builds on.
Inflation & taxes
These adjust every number above and below to reflect real purchasing power and what you'd actually get to keep after tax. Most simple calculators skip this, which quietly overstates how close you really are.
These are flat effective-rate estimates, not real bracket-by-bracket tax calculations — a tax professional can get you a more precise number, but this gets meaningfully closer than ignoring tax and inflation entirely.
Passive / rental income (optional)
Roth IRA & bridge plan (optional)
The Roth compounds separately in the background and becomes available at your chosen access age — it doesn't shrink how soon you can retire (the bridge number below ignores it), but it substantially boosts what you have available afterward.
Traditional 401(k) / IRA & employer match (optional)
Grows tax-deferred, taxed as ordinary income when withdrawn — kept as a separate bucket from your Roth and brokerage since the IRS treats it differently.
Social Security (optional)
Entered in today's dollars. Treated like rental income: it offsets what you need to self-fund once it starts, but doesn't shrink your full FIRE number.
Lump-sum windfalls (optional)
Family / life-event plan (optional)
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Model marriage, kids, tuition/college, housing, and everyday adult costs so the "family-adjusted" FIRE modes below reflect your actual future cost curve, not just today's expenses.
Kids — add, remove, or rename any number
Each kid uses the same per-stage cost fields above (infant/preschool/school-age/tuition/college), applied starting from their own birth age.
Name
Your age at birth
Temporary expenses (optional)
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Anything with a start and end age — a car loan, a lease, a fixed-term debt. Feeds the "real" FIRE number so temporary costs aren't assumed to last forever.
Label
Annual
Ages
FIRE number & projection
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Market volatility stress test (Monte Carlo)
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The chart above assumes the same fixed return every single year. Real markets don't work that way — a bad run of returns early on (sequence-of-returns risk) can hurt even when the long-run average is fine. This runs 1,000 randomized-return scenarios to show how often you'd still hit your number.
Bridge to Roth access & withdrawal plan
How much you need outside your Roth to retire early and self-fund living costs until your Roth unlocks — sized conservatively so it keeps growing during the bridge instead of just barely surviving.
Subscription version — cancel anytime from Manage billing above.
This tool provides estimates for educational purposes only and is not financial advice.
Questions or an issue? jchoihllh@gmail.com