Free FIRE Calculators — Financial Independence & Early Retirement Tools

63 free calculators for every stage of your FIRE journey — from your first savings goal to your last withdrawal

Browse All Calculators

Start Here — Choose Your Path

Step 1
How Much Do I Need?
Calculate your FIRE number — Lean, Coast, Fat, or Barista
Step 2
How Does My Money Grow?
Compound interest, savings rate, investment returns
Step 3
When Can I Retire?
Your FIRE timeline, progress tracking, lifestyle planning
Step 4
Is My Money Safe?
Withdrawal strategies, sequence risk, tax optimization

All 64 Calculators

How Much Do I Need?

Barista FIRE Calculator
Semi-retirement with side income
Can I FIRE Now? Quick Check
Instant FI readiness check
Coast FIRE Calculator
Find when you can stop saving
Couple FIRE Calculator
Plan FIRE together
Fat FIRE Calculator
Luxury retirement budget
FIRE Number Calculator
Based on the 4% rule
View all 26 →

How Does My Money Grow?

401(k) Retirement Calculator
Maximize your employer-sponsored savings
Asset Allocation Calculator
Find your optimal portfolio mix
Compound Interest Calculator
See your money grow over time
Dividend FIRE Calculator
Live off dividends alone
HSA Calculator
Triple tax-advantaged growth
Investment Fee Impact
What are fees really costing you?
View all 13 →

When Can I Retire?

Cost of Living Comparison
How location affects your FIRE number
FIRE Personality Quiz
Discover your FIRE style
FIRE Progress Tracker
How close are you to FI?
FIRE Timeline Visualizer
See your path to freedom
FIRE With Kids Calculator
Family-friendly financial independence
Inflation Calculator
See how inflation erodes purchasing power
View all 16 →

Is My Money Safe?

Capital Gains Tax Calculator
Estimate LTCG tax owed
FIRE Bridge Calculator
Bridge to penalty-free withdrawals
One More Year Calculator
Should you work one extra year?
Roth Conversion Ladder Calculator
Plan your early-retirement income and taxes year by year
Safe Withdrawal Rate Calculator
How much can you safely spend?
Sequence of Return Risk
When bad markets hit early
View all 9 →

Why Trust TorchFI?

All calculators use industry-standard financial formulas and the well-established 4% rule methodology — backed by the Trinity Study and peer-reviewed research. Calculations run entirely in your browser — no data is ever sent to our servers. We're transparent about every formula we use, and every calculator is reviewed quarterly.

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