Free financial planning calculators
Make room for
life beyond work.
Work out how much you need, how long saving could take, and what happens when the assumptions change.
No account required. Your saved plan stays in your browser.
Your starting point
An editable example. All amounts in today’s money.
Constant real contributions and returns; no taxes or fees added separately. See the method.
Start with the question that matters.
All calculators →When could I retire?
Connect your savings, spending and investment assumptions. Compare your current plan with a saved scenario.
Plan your timeline → 02How much is enough?
Turn monthly spending into a portfolio target. Compare what 3%, 3.5% and 4% withdrawal rates imply.
Find your target → 03Could I ease off saving?
Find the point when your investments might grow to a retirement target without more contributions.
Calculate Coast FIRE → 04What could my savings become?
Separate what you put in from investment growth, with inflation included in the result.
Explore compounding → 05Would my plan survive the past?
Replay withdrawals against 98 years of sourced US stock returns. Inspect every retirement window.
Run a historical test → 06What if returns vary?
Explore simulated retirement paths and see how spending, volatility and retirement length change the outcome.
Compare simulated outcomes →Useful numbers come
with their workings.
Read the formulas. Reproduce an example. Download the historical data. A projection becomes more useful when you can see exactly what went into it.
Understand the result.
FIRE, from the beginning
A worked budget example, the portfolio target, and the difference between saving and withdrawing.
Read the guide →Choosing a withdrawal assumption
What changes in the target when you compare 3%, 3.5% and 4%?
Read the guide →What your money could buy
Why a future balance and a balance in today’s money are different answers.
Read the guide →FourPercent provides educational planning tools. Results depend on the assumptions you enter and do not determine whether you should retire or invest.
Check the assumptions behind your FIRE plan
How much do the horizon and portfolio mix change a withdrawal test? See our original 30-, 40- and 50-year comparison, including every historical window and a worked pension bridge. Then test pension, fees and life events in the complete planner.