Financial independence calculators
Free tools for working out where you stand on the path to financial independence. Every one of them runs entirely in your browser.
- No account, no sign-up
- Nothing you type is sent to us
- Free, always
FI number
The one number that says how much is enough.
Open calculator →Coast FIRE
Find the point where you can stop saving and still land on target.
Open calculator →Savings rate & years to FI
Your savings rate sets your timeline. See both.
Open calculator →Lean / Fat / Barista FIRE
Four targets, four lifestyles, side by side.
Open calculator →Safe withdrawal rate
What the historical record says about the 4% rule.
Open calculator →Roth conversion ladder
Reaching your traditional balances before 59½, without the penalty.
Open calculator →These calculators are deliberately simple: a handful of inputs, one clear answer, and the formula written out 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.
Once you want the inputs to keep themselves current instead of being re-typed, that is what Ember is for.