Free FIRE Calculators — Coast FIRE, Barista FIRE & Retirement Planning

Financial Independence, Retire Early (FIRE) is built on one core idea: accumulate enough invested assets that your portfolio can sustain your spending indefinitely — then work becomes optional.

These calculators cover the full FIRE spectrum, from the early milestone of Coast FIRE (when you can stop contributing and let compounding finish the job) to retirement income planning with pensions, Social Security, and year-by-year withdrawal projections.

Choose your calculator by where you are in the journey:

• Early accumulation — Use the Coast FIRE Calculator to find the number you need invested today to stop contributing, or the Barista FIRE Calculator to model semi-retirement with part-time income covering the gap.
• Approaching retirement — The Social Security Break-Even Calculator helps you decide when to claim, and the Retirement Income Calculator models year-by-year withdrawals with pension and SS income layered in.
• Tax and conversion planning — The Roth Conversion Calculator shows whether converting pre-tax dollars now lowers your lifetime tax bill.

All calculators run entirely in your browser — no account required, no data stored.