FIRE Calculator vs FIRE

Find out exactly how many years stand between you and financial independence. Enter your income, your spending and what you have already invested, and see your savings rate, your FI number and the age you could stop working — on one screen. Most money apps track where your cash went last month. This one answers the only question that matters for early retirement: when do I get out? It runs the FIRE math properly — the 25x rule, a safe withdrawal rate you choose, expected returns adjusted for inflation — then projects your portfolio month by month until it crosses your number. Move one slider and watch the finish line move with it. WHAT YOU GET - Your savings rate the moment you type income and expenses, plus the monthly amount it represents - Your FI number from a withdrawal rate you set yourself, from 2.5% to 5%, not a fixed assumption - A projected FI date and the exact age you could walk away - A year-by-year timeline chart of your portfolio climbing toward the target - Coast, Barista, Lean and Full FIRE milestones, each with its own target and the year you reach it - A side-by-side comparison of what saving 10%, 30% or 60% does to your years-to-freedom PERFECT FOR - Anyone chasing FIRE who wants a real date instead of a vague someday - High savers deciding whether the next raise or the next spending cut buys more time - People asking whether they have already hit Coast FI and can stop over-saving - Anyone planning a career break, a downshift, or part-time work at Barista FI WHY NOT JUST USE A SPREADSHEET Because a spreadsheet does not recalculate while you think. Here every input is a slider — age, expected return, inflation, withdrawal rate — and the timeline, the milestones and the FI date redraw instantly. Returns are converted to real terms, so inflation is not quietly stealing years from your plan. Save each version as a named plan, and share your numbers as text whenever you want. This is a planning and education tool, not investment or financial advice. Projections are estimates based on the numbers you enter, not guaranteed returns. PRIVACY Everything is calculated on your iPhone and stored there. No account, no sign-up, no bank connection, no ads, no tracking, nothing leaving your device. It works fully offline. FULL ACCESS The calculator, your savings rate and your FI number are free. Full access unlocks the year-by-year timeline chart, the Coast, Barista, Lean and Full FIRE milestones, unlimited savings-rate comparisons, and saving unlimited named plans. Choose a weekly or a yearly subscription, or a one-time lifetime purchase. Type in this month's income and expenses and see your FI age in under a minute. Terms of Use (EULA): https://web-levi.web.app/terms Privacy Policy: https://web-levi.web.app/privacy-policy Questions? tphuc.work@gmail.com

Most FIRE calculators give you one number and call it a day. FIREpath shows you all 5 retirement paths side by side so you can actually compare your options instead of running the math five separate times in five different spreadsheets. See every scenario at once: Regular FIRE - the classic 4% rule Lean FIRE - retire sooner on less Fat FIRE - retire later with more cushion Coast FIRE - the number where you can stop contributing forever Barista FIRE - semi-retire with part-time income "What if" sliders that update in real time Drag a slider to add $200/month to your savings. Watch your retirement date move instantly. Try a 9% return instead of 7%. Cut your expenses by 15%. No spreadsheets, no formulas to remember, just drag and see your future change in front of you. Built for people who are serious about this * Visual timeline from your current age to retirement, with every FIRE milestone marked * Coast FIRE calculator: see the exact number where you can stop contributing and still hit your target by retirement age * Full monthly breakdown: savings rate, projected portfolio income, inflation-adjusted value * Save multiple scenarios and compare them side by side ("current plan" vs "if I cut expenses") * Shareable results card for your FIRE journey Why FIREpath is different We built this because we were tired of switching between three different calculators every time we wanted to test a new scenario. No other tool shows Lean, Regular, Fat, Coast, and Barista FIRE together with live interactive sliders. This is the FIRE calculator we wished existed. Free to use. No sign-up required. Your numbers stay private, nothing is shared, nothing is sold. Start calculating your FIRE date in under 30 seconds. For educational purposes only. Not financial advice. Projections assume consistent returns which are not guaranteed. Consult a licensed financial advisor for personalized guidance.