Freedom Calcs
Free FIRE calculators to estimate retirement targets
Freedom Calcs is a free collection of financial independence and retirement calculators. It includes tools for Coast FIRE, Barista FIRE, Fat FIRE, Lean FIRE, and calculating your FIRE number.
The Coast FIRE calculator estimates how much you need invested today for your portfolio to grow toward a future retirement target without additional contributions. Enter your age, invested assets, retirement spending, and monthly contributions, then adjust return, inflation, and withdrawal assumptions to explore different scenarios. Results update automatically, with a growth chart, projection data, and contribution comparisons shown in today's dollars.
The site explains its formulas, sources, and model limitations so you can understand how each estimate is calculated. It works on desktop and mobile without an account, and financial inputs are processed in your browser. The calculators are educational tools and do not provide personalized financial advice.
Features
- Five free tools: Coast FIRE, Barista FIRE, Fat FIRE, Lean FIRE, and FIRE Number calculators.
- Interactive Coast FIRE results that update as you edit your inputs.
- Adjustable retirement age, spending, contributions, return, inflation, and withdrawal assumptions.
- Portfolio growth charts, projection tables, and contribution scenario comparisons.
- Inflation-adjusted estimates expressed in today's dollars.
- An optional retirement spending helper with historical reference data for six U.S. metro areas and editable budget amounts.
- Published formulas, worked examples, source references, and model limitations.
- Desktop and mobile access with no signup; financial inputs are calculated in the browser.
Use Cases
- Estimate how much you need invested today to reach a future retirement savings target without further contributions.
- Explore how changing monthly contributions could affect your estimated Coast FIRE milestone.
- Compare retirement targets under Lean FIRE and Fat FIRE spending budgets.
- Model a Barista FIRE scenario with a period of part-time income.
- Calculate a FIRE number from annual spending and a chosen withdrawal rate.
- Explore how retirement age, spending, inflation, and return assumptions change your estimates.
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