Open the FIRE Calculator to enter numbers or reopen your saved plan.
Choose the next step in your FIRE plan
Start with a retirement timeline, then examine saving, spending and market risk with the tools below.
Get the freedom date first. Then find the strongest lever, test whether the plan survives bad markets, and compare alternatives only if the current version still needs work.
Most people start here
Get the freedom date and target portfolio
Open the FIRE Calculator if you want the full path from today's portfolio to optional work.
Already entered numbers? Reopen your saved FIRE planYour saved assumptions, target age, time remaining and stress tests are in the same calculator.
Looks good on paper? Pressure-test it before you trust itUse Monte Carlo when the base case looks believable and the real question becomes resilience.
Start here when the question is still basic but important: When does work become optional, and what number am I actually aiming at?
Investing See what moves the date soonerUse this lane when you already have a base answer and want to know which lever still matters: saving more, spending less, compounding harder, or starting earlier.
Stress Test Pressure-test the plan before you trust itOpen these when the spreadsheet looks good and the real question becomes resilience: bad returns, bad timing, historical rough patches, and tax drag.
Compare saving and spending in the FIRE Calculator, or inspect your Savings Rate.
Use Monte Carlo, Sequence Risk, and the Historical Backtest.
FIRE
Find the date, the number, and the version of the plan worth building
This is the base-planning lane. Start here when you need the first answer: what portfolio are you aiming for, when could work become optional, and which version of the path actually fits your life?
Start with the answer
Use these first when you need a freedom date and a believable target
These pages answer the biggest questions first: what “enough” looks like, when you might reach it, and how the whole plan reads in one place.
Shape the path
Refine the timeline and compare different versions of the same plan
Once the base answer exists, use these to look at the same path from a different angle: age, time remaining, coasting earlier, or changing geography.
Alternative
Coast FIRE Calculator
Test whether your current portfolio can do more of the heavy lifting later so you can dial down saving intensity sooner.
Geography
Countries Where You Can Retire
See how the path changes when cost of living, spending power, and geography become part of the decision.
Investing
Find what actually moves the date sooner
This lane is about leverage. Use it after you already know the rough answer and want to see whether saving more, spending less, starting earlier, or compounding better buys back the most life.
Behavior and compounding
Use these when the real question is where the leverage lives
Most plans move because of a few big habits, not because of endless tweaking. These tools help you find the changes that matter most.
Leverage
Savings Rate Calculator
See how much of your income is actually reaching freedom, and why behavior often moves the date faster than theory.
Compounding
Compound Interest Calculator
Project long-term portfolio growth and see how time and contribution pace change the shape of the plan.
Milestone
Savings Goal Calculator
Estimate how long it could take to hit a target amount when the question is a nearer milestone, not full independence.
Timing
Started Investing Earlier
See how much the start date matters when you are trying to understand whether time or intensity is doing more of the work.
Benchmark
Global Index Fund Return Tracker
Use broad-market return snapshots to sanity-check whether your assumptions are grounded or too flattering.
Context
Live Salary Tracker
Translate compensation into something more concrete when you want to feel the tradeoff between time, income, and freedom.
Stress Test
Pressure-test the plan before you trust it
This is the reality-check lane. Use it when the optimistic version of the plan looks fine and you need to know what happens under weaker markets, uglier sequences, real history, or tax friction.
Market resilience
Use these when you need to know whether confidence is actually earned
These tools answer the uncomfortable but necessary question: does the plan still hold if returns arrive in a worse shape than the average line suggests?
Probability
Monte Carlo FIRE Simulator
Run thousands of market paths and estimate how often a retirement plan survives.
Sequence
Sequence of Returns Risk
Compare identical average returns delivered in different orders and see how early losses can change the result.
History
Historical FIRE Backtest
Test one spending plan across many historical start years to see how it would have held up.
Real-world drag
Use these when taxes and implementation details are the next weak point
A plan can look strong before tax and softer after tax. These tools help you see the practical friction that broad calculators usually hide.
Tax
US Taxable Brokerage Withdrawal
Estimate how taxes affect what your portfolio can actually pay out when you stop focusing only on gross numbers.
Tax
Norway ASK Withdrawal Tax
Model shielding, deposited capital, and tax drag when the real question is after-tax optionality, not just portfolio size.
These tools are designed to work together
A clean base-case answer is useful, but only if you can also see what improves it, what breaks it, and what tradeoff matters most. Start with the timeline, then go deeper where the plan still feels uncertain.
How to use this page well
Understand your calculation
Calculation methods and sources · 3% vs 3.5% vs 4% withdrawals · Nominal and real returns
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.