FIRE calculator

The FIRE calculator models inflation, contributions, investment returns, withdrawal rates, and portfolio-linked assumptions.

The calculator estimates a financial-independence target from spending, contributions, inflation, investment returns, and withdrawal assumptions.

The FIRE number is the portfolio value intended to support inflation-adjusted spending at the selected withdrawal rate. The projection keeps each assumption visible rather than presenting the result as a guarantee.

Users can connect the calculation to a selected portfolio or evaluate a standalone scenario.

The same planning workspace includes Coast FIRE, Barista FIRE, and Lean FIRE variants for comparing different contribution, earned-income, and spending paths.