Fire Calculator 2026

FIRE Calculator 2026 — Financial Independence, Retire Early

Calculate your FIRE number, years to financial independence, Coast FIRE age, and Barista FIRE income — all from a lightweight Chrome extension.

FREE FEATURES:
- FIRE number (25x annual expenses, adjustable withdrawal rate)
- Years to Financial Independence based on savings rate and returns
- Target FIRE age projection
- Annual FIRE income at retirement
- Savings rate tracking
- Return rate assumptions (5%-10%)
- Safe withdrawal rate selector (3%-4.5%)

PRO FEATURES ($4.99 one-time):
- Coast FIRE age — stop saving early, let investments compound to your target retirement age
- Barista FIRE number — how much part-time income covers the gap
- Geographic Arbitrage FIRE — relocate to a lower-cost area and retire sooner
- Withdrawal rate sensitivity comparison (3% vs 4% vs 5%)

No account required. No data leaves your browser. All calculations happen locally.