The tools
Crunch your numbers
Our suite of calculators gives you an instant summary of your financial situation to help you position yourself on the path to financial independence.
Tool 01
FI Retirement Calculator
Based on the 4% rule and classic FIRE math, this calculator turns your spending, savings and current portfolio into a personalized years-to-freedom timeline.
- FI number = annual spending × 25
- Years to FI modeled at 5% real returns
- Raises automatically with inflation as your income grows
Your FI number
$1,000,000
Savings rate
38%
Years to FIRE
22 yrs
Estimates use the classic FIRE formula (portfolio compounding at your chosen real return until it reaches 25× spending). For illustration only — not financial advice.
You contribute
$130,000
Growth earned
$176,000
Final balance
$306,000
Assumes monthly compounding and consistent contributions. Market returns are never guaranteed — this shows the power of compounding, not a promise.
Tool 02
Compound Interest Calculator
Einstein reportedly called compound interest the eighth wonder of the world. See why: small, consistent contributions turn into life-changing sums over a FIRE timeline.
Now that you've seen your timeline…
The next step is tracking your money and learning the playbook. Start with our foundational reading, then put a plan in motion.