FIRELab: FIRE Calculator

Know your FIRE number. Then find out whether you're actually getting there. Most FIRE calculators give you a number and forget you. FIRELab gives you five, then tracks your real net worth month after month so you can see the gap between the plan and reality. FIVE MILESTONES, ONE PLAN Enter your spending once and see every FIRE target at the same time, ordered by which one comes first: Coast FIRE — stop contributing and let compounding finish the job Barista FIRE — part-time income covers part of the lifestyle you choose Lean FIRE — a simpler life, a smaller number Regular FIRE — your current lifestyle, indefinitely Fat FIRE — room for comfort and travel No re-entering the same numbers on five different screens. Change your withdrawal rate and watch all five targets move together. TRACK WHAT ACTUALLY HAPPENS Record your net worth once a month. FIRELab separates the money you contributed from what the market added — or took away. That distinction is what makes a return number honest, and almost no app bothers with it. Your history feeds the projection. Miss a few months and the math still holds: returns are measured over elapsed time, not over the entries you happened to record. THE CHART THAT MATTERS A single timeline showing your projected path, with each milestone marked where your curve crosses it, and the exact time to each one listed below. Not just how much — when. BUILT FOR HOW FIRE ACTUALLY WORKS Real returns, so your target means the same thing in today's money Coast FIRE measured against a target that rises as your deadline approaches — the calculation most tools get wrong Time-weighted returns, so heavy contribution months don't distort the number Savings rate calculated from what you actually saved, not what you planned to Withdrawal rates from 2.5% to 5% PRIVATE BY DESIGN No account. No sign-up. No bank connections. No analytics. Your net worth never leaves your iPhone — because a number that personal has no business on someone else's server. Works fully offline. Available in English and Portuguese, with support for USD, BRL, EUR, GBP, CAD and AUD. FREE AND PREMIUM Everything above is free, including unlimited monthly tracking. FIRELab Premium is a single purchase — no subscription — and unlocks: Your real annualized return, after inflation Plan vs reality: your actual net worth against the plan you set Contributions vs growth: what you put in versus what the market added A prompt to update your expected return once your own history is long enough to trust FIRELab is an educational tool. Projections are estimates based on the assumptions you enter and do not predict actual investment results. This app does not provide financial, tax, or investment advice.