Will I have enough, and when can I stop?

FIRE Calculator: Your FIRE Number and Date

This FIRE calculator finds your FIRE number, the portfolio that pays your spending, and the year your savings reach it, from what you have, save and spend.

Barista FIRE Calculator

Your Barista FIRE number pays the gap that part-time income leaves until it stops, and still grows to the full FIRE number by then. See it and your date.

Coast FIRE Calculator

Your Coast FIRE number is the balance that grows into your FIRE number by retirement with no more saving. See yours and the age you reach it.

Lean FIRE Calculator

Split your yearly spending into essentials and discretionary to see your Lean FIRE number, the date you reach it, and the years going lean saves.

Savings Rate Calculator

Find your savings rate from take-home pay and spending, the years to financial independence at that rate, and how you compare with households your age.

Geo-Arbitrage Calculator

Pick a country and see what your spending would be at its household price level, how much after-tax pay keeps your saving the same, and how much sooner financial independence arrives.

Retirement Monte Carlo Simulator

Retirement calculator with Monte Carlo simulation: 5,000 randomized market paths against your spending.

72(t) SEPP Calculator

See how much an IRA can pay each year before 59½ under the RMD and fixed amortization methods, and what a 72(t) plan locks you into.

Roth Conversion Ladder Calculator

Fill a tax bracket each year and see how much to convert to Roth, what it costs in federal tax, when each conversion becomes penalty-free before 59½, and where the 2026 ACA line sits.

Safe Withdrawal Rate Calculator

Safe withdrawal rate calculator: the chance a withdrawal rate lasts your whole retirement across 5,000 simulated markets, next to what a steady return would allow.

Sequence of Returns Risk Calculator

Sequence of returns risk calculator: the same average return in a different order, and how much a bad start to retirement changes your ending balance.

ACA Subsidy Calculator for Early Retirement

The law as of September 29, 2026: the enhanced credit expired on December 31, 2025, so the 400% cliff is back. See your credit and how much income fits under it.

Social Security Break-Even Calculator

Estimate your Social Security benefit at 62, full retirement age or 70, counting the years you won’t work, and see the break-even age for each.

Retirement Withdrawal Order Calculator

Compare four orders for drawing on your taxable, pre-tax and Roth accounts, on the same spending and 2026 tax rules, and see the lifetime tax and the amount left at 95 under each.

Return Home vs Stay in the US Calculator

Compare the FIRE number and the date you reach it if you stay in the US against retiring abroad, priced at your home country’s household prices, with US withholding on pre-tax accounts counted.

401(k) Withdrawal When Leaving the US Calculator

Enter your balance and age to see what you keep after US withholding and the 10% early-withdrawal penalty, as a nonresident or a US tax resident, against leaving it invested to 59½.

H-1B Layoff Runway Calculator

Enter your cash, severance and health-insurance cost to see how many months your money lasts, the date it runs out, and where the 60-day grace period ends.

Substantial Presence Test Calculator

Enter your days in the US for the last three years to see whether you meet the substantial presence test, how many more days you can spend here, and what your status means for withholding.

FBAR and Form 8938 Threshold Checker

Enter the highest balance of your foreign accounts and the value of your foreign financial assets, and see whether they are over the FBAR and Form 8938 thresholds for how you file and where you live. The balances shown are examples.

H-1B and OPT Take-Home Pay

See your 2026 take-home pay per paycheck after federal tax, Social Security and Medicare, and state tax, and how your status changes the amount for the same salary.

Nonresident Spouse Joint Filing Election

Compare the federal income tax on electing to treat your nonresident spouse as a U.S. resident and filing jointly with filing separately or as head of household, and see at what spouse income the election stops saving tax.

PFIC Tax on a Home-Country Mutual Fund

See the tax and interest a foreign mutual fund (a PFIC) costs on a sale under the default IRS rules, and how that compares with a U.S. fund and with a mark-to-market election.

Prepay an Education Loan or Invest

Compare paying down a loan in another currency with investing the same extra money each month in dollars, taking the loan currency’s change against the dollar into account.

Rent vs Buy on a Visa

Compare the net worth of buying and of renting for every year you might sell or leave, after closing and selling costs, upkeep, and what the renter can invest.

Roth or Traditional if You Might Leave the US

Compare what a Roth and a traditional 401(k) keep after tax, across every tax rate a payout might face after you leave, and see where the two tie.

Social Security for Visa Holders

See how many Social Security credits your U.S. work builds, whether a Social Security agreement with another country could help you reach the 40 you need, and what a benefit might be.