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Know your FIRE number before you sign up.
There's no sign-up. Type three numbers, watch the answer compound in front of you. 27 calculators for early retirement, side income, and the real cost of everything.
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$1.28M
If you never save another dollar, compounding alone clears your $875K FIRE number by 65.
- FIRE number
- $875K
- Years to spare
- 5.6
Most opened this week
When can you stop working?
Four flavors of financial independence. Same math, different lifestyle bets.
- Most popular
Coast FIRE
Stop saving once compounding can finish the job.
$93K typical target - The classic
Standard FIRE
25× annual expenses. Full retirement.
$1.25M typical target - Minimalist
Lean FIRE
A pared-down version. ~$25k/yr lifestyle.
$625K typical target - Half-retired
Barista FIRE
Cover the gap with part-time work and benefits.
$520K typical target
What you make. What you keep.
Your real hourly rate, what to charge clients, what you're worth, and what the IRS takes.
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Net Worth
What you own minus what you owe — the most honest snapshot.
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Savings Rate
Years to FIRE — driven by one number that isn't your income.
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True Hourly Wage
Real take-home rate after tax, expenses, and commute.
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Freelance Hourly Rate
What to charge clients to actually keep your target take-home.
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Tax Brackets
Marginal vs effective rate — what you actually pay.
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Ad Revenue & ARPDAU
Estimate app & game revenue from ads and in-app purchases.
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What marketplaces actually take.
eBay, Etsy, Mercari, Poshmark — every fee on a sale, your net payout, and the breakeven price.
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eBay Profit Margin
Net profit per item after fees, shipping, and cost.
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Etsy Fees
What Etsy takes per sale — and what you keep.
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Mercari Fees
Net payout per Mercari sale after every fee.
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Poshmark Fees
The flat fee, the 20%, and your actual profit.
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Depop Fees
0% selling fee — just 3.3% + $0.45 processing.
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Vinted Fees
Sellers pay $0 — what you actually keep, and what buyers pay.
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What money does over time.
Compounding, annualized returns, and inflation — the three forces that decide what your money becomes.
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Compound Interest
What money does when you leave it alone — with contributions.
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Dividend & DRIP
Dividend income, reinvestment, and yield on cost over time.
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Investment Return
Total return, annualized CAGR, and real (after-inflation) growth.
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Inflation
What today's dollars will be worth — and what things will cost.
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What things actually cost.
Money flowing out — over the full term, not the sticker. Loans, recurring obligations, big purchases.
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Debt Payoff
Snowball vs avalanche side-by-side.
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Mortgage
PITI, PMI, total interest, true 30-year cost.
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Student Loan
Standard / Extended / IBR plans with forgiveness math.
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Income-Driven Repayment
Estimate your IBR, PAYE, SAVE & ICR monthly payment.
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True Cost of Car
Real $/year and $/mile after depreciation + fuel + insurance.
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Lifetime Cost
Total cost of a kid, pet, or any 10+ year obligation.
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