Calculators
Free FIRE calculators
Four questions people actually arrive with, answered in the browser. No account, no email, nothing sent anywhere — the maths runs on your device and the page forgets it when you close the tab.
Coast FIRE calculator
The balance that lets you stop contributing and still retire on time — and the year you reach it.
For: can I ease off? → 🔥FIRE number calculator
What your spending costs in portfolio terms, across Lean, Traditional, Barista and Fat.
For: how much do I need? → ☕Barista FIRE calculator
How many years a part-time income takes off the date. Usually more than people expect.
For: can I quit the career job? → 🩺Health insurance bridge
Medicare starts at 65. Price the years before it, and the extra portfolio they need.
For: retiring before 65 →What these deliberately leave out
None of them run a Monte Carlo simulation. That is a choice, not an oversight. A probability of success is a genuinely useful number once you already have a plan, and a confusing one when you are still working out whether the plan is worth having. These answer the earlier question: what has to be true for this to work?
They also assume a real return, which means inflation is already subtracted and every dollar on screen is in today's money. It makes the answers comparable to your current spending, and it removes the most common way these calculations flatter people.
These forget you. The app doesn't.
NestEgg keeps the plan, compares two scenarios side by side, runs both partners against one shared date, and models the order you draw your accounts in. Free to use, with a Pro upgrade if you want unlimited saved scenarios.