Based on the 25× rule. Free, ad-supported, no signup. 63 calculators built for the FIRE community.
Reviewed quarterly · 63 calculators · Privacy-first · see methodology
Last updated March 14, 2026 · auto-refreshed from IRS · BLS · FRED · Trinity Study
▎Why this matters: these 4 numbers drive the assumptions in every calculator. See methodology
Research-grade reads, hand-selected by the editorial team.
The Roth conversion ladder is the standard FIRE strategy to access retirement funds before 59½. But not all IRA custodians handle it well. Here's how to choose.
The 4% rule was designed in 1998 for 30-year retirements. Does it still work for 50-year FIRE retirements in 2026? The latest research, analyzed.
Compare the 4% Rule, Guyton-Klinger guardrails, VPW, and CAPE-based withdrawals to find the safest strategy for your retirement.
Every formula on TorchFI is hand-implemented from peer-reviewed research, with each input traced to its primary government or academic source. The four numbers in the strip above (median FIRE#, 4% rule, 10Y Treasury, CPI) drive the assumptions in every calculator, change them and the results change.