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Free FIRE calculators

Quick, single-purpose tools for specific questions, plus the full calculator when you want the complete picture. All free, no sign-up, and nothing you enter leaves your browser.

The full FIRE calculatorEverything in one plan: couples, 1099 and business income, taxes, ACA subsidies, the bridge to 59½ and a historical stress test.Student loan tax bomb calculatorWhen RAP or IBR forgiveness hits, the tax bill that comes with it, and how PSLF and part-time work change it.Solo 401k calculatorFreelancers and S-Corp owners: your maximum 2026 contribution, compared with a SEP-IRA.Roth conversion ladderYear-by-year conversions, taxes and the 5-year gap, until penalty-free access at 59½.Coast FIRE calculatorHow much you need invested today to stop saving for retirement entirely.Barista FIRE calculatorHow part-time income shrinks your target and moves up your date.FIRE calculator for couplesTwo incomes and two sets of accounts, with joint tax brackets.Embed a FIRE calculatorFree widget for your blog or website. Copy one snippet of code.
Get the 2027 numbers when they're outOne short email each year when the IRS updates contribution limits and tax brackets, plus major site updates. No spam.