Find out when you can actually stop working.
Free FIRE calculators that use the real tax rules, contribution caps and preservation ages of the country you live in — then simulate the whole retirement to check the money lasts.
No account needed. Nothing you type leaves your browser.
Built for where you live
The same maths gives the wrong answer in the wrong country
Retirement systems differ in the ways that matter most: when you can touch the money, how contributions are taxed, and how much you are allowed to shelter.
Australia
2026-27Superannuation preservation age, the 12% Super Guarantee, concessional caps, Division 293 and the bridge to 60.
United States
2026401(k) and IRA limits, employer matching, the Rule of 55, FICA and federal brackets for the 2026 tax year.
What makes these different
Most FIRE calculators quietly skip the hard parts
It tests the bridge, not just the total
Most calculators multiply your entire net worth by 4% and call it a plan. But a large share of it is locked in super or a 401(k) until your sixties. Every projection here checks whether your accessible money actually covers the years before that.
Real tax rules, not a flat percentage
Marginal brackets, the Medicare levy, FICA, contribution caps, Division 293, employer matching and the Super Guarantee are all modelled year by year — because they change the answer by years, not rounding errors.
Every retirement age is stress-tested
Rather than guessing a date, the engine simulates a complete drawdown from every possible retirement age and reports the earliest one where the money genuinely lasts to your planning horizon.
Answers in today's dollars
A $4.2 million balance in 2058 means nothing on its own. Every figure can be shown in today's purchasing power, so you can judge whether it is actually enough to live on.
The full set
Every flavour of FIRE, plus the drawdown test
They share one engine, so switching between them never changes your assumptions behind your back.
FIRE Calculator
The full projection: earliest retirement age, the bridge years, and whether the money lasts.
Coast FIRE Calculator
Find the point where you can stop contributing and let compounding finish the job.
Barista FIRE Calculator
Model part-time income covering part of your spending while the portfolio keeps growing.
Lean FIRE Calculator
Independence on a deliberately small budget — and an honest test of whether it survives.
Fat FIRE Calculator
A no-compromise retirement, where contribution caps and tax become the binding constraint.
Go further
Save your plan and watch it change
The calculators are free and always will be. A subscription adds saved scenarios, side-by-side comparison, progress tracking against your plan, and full year-by-year exports.
- Unlimited saved scenarios
- Compare plans side by side
- Track progress against your target
- Full CSV and PDF exports
Free FIRE calculators built around real tax rules, superannuation and 401(k) preservation ages, and full drawdown simulation — for Australia and the United States.