Financial independence calculators
Seven calculators for the questions on the way to financial independence: how much is enough, when you can stop saving, how long it takes, and what the historical record says.
- No account
- Nothing you type leaves your browser
- Free
FI number
The one number that says how much is enough.
Coast FIRE
Find the point where you can stop saving and still land on target.
Savings rate & years to FI
Your savings rate sets your timeline. See both.
Lean / Fat / Barista FIRE
Lean, standard, Fat and Barista FIRE targets, side by side.
Safe withdrawal rate
What the historical record says about the 4% rule.
Roth conversion ladder
The five-year bridge before your traditional balances open, and what has to fund it.
Emergency fund
How big a safety net is, and what cash or invested costs to hold.
Each calculator takes a few inputs, returns one answer, and prints the formula so you can check it. They rely on assumptions that will not match your actual results, and they are not financial or tax advice. Each page states its own assumptions in full.
Ember is a personal finance ledger that keeps every account current, so these figures update on their own instead of being re-typed. It is in private beta: join the waitlist.