Basic Investor

Home / Tools / FIRE Calculator

Premium Financial Independence Engine

Early Retirement / FIRE Readiness Calculator

Determine your exact Financial Independence (FI) number and time to freedom. Model different FIRE variants (Lean, Regular, Fat, Coast, and Barista), test Safe Withdrawal Rates (SWR), and harness the logarithmic power of your savings rate.

Private, Local Wealth Trajectory Modeling

Your earnings, spending targets, and current net worth remain 100% private. All exponential compounding math, safe withdrawal formulas, and crossover dates calculate locally in your browser.

Quick Test Scenarios:

Financial Independence Inputs

30 yrs

The single most influential driver of your required FI portfolio size.

5.0%
4.0%

Select Active FIRE Target Variant

Need year-by-year cash flow details?

Model full decumulation sequencing, RRIF minimums, and early retirement bridge gaps in the Retirement Income Timeline.

Launch Retirement Timeline
$0 Target FI Number
0.0% Progress Funded
0 Yrs Time to Independence
0.0% Savings Rate

Wealth Trajectory & Freedom Crossover Point

Portfolio accumulation curve with regular deposits intersecting your target FI capital threshold.

FIRE Variants Comparison

Compare portfolio requirements and timeline across different post-work lifestyles.

Savings Rate Leverage Sensitivity Table

How small changes in your savings rate compress decades off your working career.

Keep your portfolio balanced on your FIRE path

Track allocation drift and generate zero-selling cash rebalancing orders with our Smart Rebalancing Drift Monitor.

Launch Drift Monitor
Educational information and independence illustration only. Basic Investor does not provide individualized investment, legal, accounting, or tax advice. Safe Withdrawal Rates (SWR) are theoretical guidelines based on historical Trinity study data and cannot guarantee future investment returns.