What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a movement dedicated to a program of extreme savings and investment that allows proponents to retire far earlier than traditional budgets and retirement plans would allow. By aggressively saving and investing, you can build a nest egg that generates enough passive income to cover your living expenses, giving you the freedom to pursue your passions without being tied to a job.

Why Use Our Comprehensive Calculator?

While many FIRE calculators exist, they often oversimplify the variables that shape your financial future. Our tool goes deeper:

• Advanced Scenario Planning: Go beyond simple calculators. Model complex life events like having children or changing careers, factor in one-time windfalls, and even split your savings into multiple investment portfolios.
• AI Savings Optimizer: Connect your financial picture to our AI tool to get personalized, actionable strategies for reducing your expenses and accelerating your path to FI.
• Monte Carlo Simulation: The future is uncertain. Don't rely on a single average return rate. Our calculator runs thousands of potential market scenarios to give you a clear, probability-based assessment of your plan's success. Stress-test your future with confidence.
• Free and Secure: Your data is processed securely in your browser or through secure server functions. You can save and share your plan via a custom link without creating an account. It's a powerful tool, completely free to use.

Start planning today. Fill in your details above to get a clear picture of your path to financial independence.