12 free calculators · no signup · nothing tracked
Get your FIRE verdict
in 10 seconds.
Age, retirement age, what you've saved, what you spend. That's all it takes to learn whether you're already safe, when you can stop saving, and exactly what to change if you're behind.
Built on real-return math — the kind that divides out inflation instead of pretending 7% − 3% = 4%.
Sample verdict · Coast FIRE
71%
to Coast FIRE
On track — coasting possible at age 34. From there, compounding finishes the job without another dollar saved.
Get my real verdictFour inputs. No signup. Your numbers never leave this browser.
The insight that started all of this
Past a certain point, your portfolio doesn't need you anymore. Compounding finishes the job — if you know where that point is.
Save hard until 41. Then stop. Still retire at 60.
$60k at 28, $1,100/mo saved, $2,200/mo retirement spending at a 4% SWR, 7% return / 3% inflation — real engine math
Both lines cross the same FIRE number. The green one gets there with 19 fewer years of saving; the grey one buys retirement years earlier instead. You can't choose between them until you know your coast age. Find yours →
A verdict, not a spreadsheet
Most calculators hand you a wall of numbers and wish you luck. FireVerdict answers the question you actually typed: are you on track, when can you coast, and what one change fixes it if you're behind.
Honest, real-return math
Inflation is divided out, never subtracted. Taxes gross up your spending. Pensions are discounted in two phases. The engine is unit-tested against hand-derived numbers — the same rigor a bad assumption would hide from you.
Private by design
Every calculation runs in your browser. No account, no email gate, no data sent to a server — share a result only when you choose to, via a link that carries the numbers itself.
Every angle on financial independence
Twelve ways to ask “am I on track?” — pick the one that matches the question keeping you up at night.
The most expensive plan is not knowing.
Ten seconds from now you'll know your number, your coast age, and the one lever that moves them. Free, private, no signup.
Start with Coast FIRE