Choose a money question.
Calculate the number, then turn it into progress, milestones, or a date.
Financial independence
FIRE Calculator
Estimate your financial-independence date and milestones.
Open toolFIRE Number
Turn annual spending into an estimated portfolio target.
Open toolCoast FIRE
See whether today's investments could coast to your FIRE target.
Open toolNet Worth
Add up what you own, subtract what you owe, and see where you stand.
Open toolRetirement
Compare projected savings with your retirement spending plan.
Open toolRetirement Income
Estimate how a portfolio could fund inflation-adjusted retirement spending.
Open toolWithdrawal Strategies
Compare three retirement spending rules from the same starting plan.
Open toolMonte Carlo Retirement
Explore retirement outcomes across reproducible simulated return paths.
Open toolGrowing and saving money
Compound Interest
Project a balance over time and separate contributions from growth.
Open toolInvestment Growth
Estimate when a portfolio could reach a target.
Open toolSavings Goal
Turn a savings target into an estimated date.
Open toolSavings Rate
See what share of take-home income you keep each month.
Open toolOpportunity Cost
Compare an expense with investing it and see the potential FIRE-date impact.
Open toolEmergency Fund
Choose an expense-coverage target and estimate when your cash reserve could reach it.
Open toolBudget
Allocate take-home income across essentials, savings, and flexible spending.
Open toolDebt Payoff
Estimate a debt-free date, total interest, and the effect of paying more each month.
Open toolLifestyle Inflation
See how much of a raise went to spending and what that change could be worth over time.
Open toolDCA Calculator
Compare investing one amount now with spreading the same total across monthly investments.
Open toolInvestment Fee Calculator
Estimate how an annual investment fee could affect a portfolio over time.
Open toolDebt vs. Invest
Compare paying debt faster with investing the same extra monthly amount.
Open toolCalendars and tracking
Your Dashboard
Review the FIRE plan and private snapshots already saved in this browser session.
Open toolSaved FIRE Scenarios
Name, compare, and reopen private FIRE plans during this browser session.
Open toolMonthly Progress Report
Review this month’s private FIRE and net-worth changes in one place.
Open toolMoney Calendar
Turn FIRE projections and financial milestones into dates.
Open toolBudget Calendar
Plan spending, bills, paydays, and no-spend days by date.
Open toolBill Calendar
Track recurring due dates, paid status, and how bills line up with payday.
Open toolNo-Spend Calendar
Mark each day, build a streak, and estimate avoided discretionary spending.
Open toolMonthly Money Calendar
Follow this month’s public checklist for planning, saving, investing, and review.
Open toolAnnual Money Calendar
Plan all twelve monthly focuses, challenges, concepts, and dated checklists.
Open toolYour Next 12 Months
Turn your FIRE plan into a rolling year of contributions, check-ins, and projected milestones.
Open toolNet Worth History
Save today’s net worth explicitly and review private snapshots as a progress timeline.
Open toolFIRE Progress History
Save today’s FIRE plan explicitly and compare progress across private snapshots.
Open tool