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FIRE Model Calculator

Expense-based and savings-rate calculators with sharable links. All calculations run locally in your browser.

How to use the FIRE Model Calculator
Quick guide
  1. Pick the calculator tab you want (expense-based or savings-rate based).
  2. Enter your income, expenses, savings, and assumptions (returns, inflation, withdrawal rate).
  3. Review your FI number and timeline, then expand the details table to sanity-check the math.
  4. Use the share link to save your assumptions or send them to someone else.
Common pitfalls
  • Be consistent with time units (monthly vs yearly) across inputs.
  • Assumptions matter: small changes in return/inflation/withdrawal rate can move results a lot.
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