Simple, single-purpose tools for the big money questions — and the full FIRE planner when you're ready for the whole picture. Every one is free, works in any currency, and keeps your numbers in your browser. Nothing is sent to a server.
Your full plan: real tax brackets in 43 countries, pensions, Monte Carlo stress-testing, healthcare, and your whole life plan (home, kids, travel) — with Coast, Barista, Lean and Fat FIRE.
Quick calculators
How much do you need to retire? Your annual spending × 25 (the 4% rule) — find your number and how close you are.
See how a starting balance and regular contributions snowball over time — and how much of the total is interest you earned.
How many years until you're financially independent? Your savings rate — not your income — sets the timeline.
Find the amount you need invested today to coast to your goal — without saving another dollar.
See how many years your retirement savings last at your withdrawal rate — and the amount you could draw forever.
Your monthly payment and total interest — plus how much an extra payment saves you, in interest and years.
Snowball vs avalanche: your debt-free date, total interest, and which method clears your debts for less.
Build your spending category by category and split it into essentials vs discretionary — then drop it into your plan.
See how inflation erodes buying power over time — and how much you'll need in future to match a sum today.
🔒 Private by design. These tools run entirely in your browser — no account, no tracking, nothing sent to a server. They're educational estimates, not financial advice.
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