Description
Most FIRE Calculators Stop at One Number
Plenty of tools will tell you that 25 times your annual expenses is your FIRE number. That is the easy part. The harder question is when you actually get there, and how that date moves if you change your savings rate or your spending target.
This calculator answers both.
What You Get
FIRE Snapshot: Enter your age, savings, monthly contribution, expected return, and target expenses. Get your FIRE number and your real projected FIRE age, calculated with proper monthly compounding.
Year-by-Year Projection: A 40-year table and chart showing your balance climbing toward your FIRE number, so you can see exactly where the lines cross.
FIRE Types: Compare Lean FIRE, Regular FIRE, Fat FIRE, and Coast FIRE side by side, all built from your own return and withdrawal rate.
Savings Rate Impact: See how many years faster you reach FIRE at 10% higher savings rates, all the way up to 80%. This is the chart that makes the math click.
The Complete Wealth Tools Bundle includes the Debt Payoff Calculator, Real Estate Deal Analyzer, Wealth Building Spreadsheet Pack, and Wealth Puzzle Workbook, everything in one download.
Milestones: Track 25%, 50%, 75%, and 100% of your FIRE number as you go.
How It Works
- Download instantly after checkout. One email, one link, done.
- Open in Microsoft Excel or free Google Sheets.
- Enter your numbers once on the FIRE Snapshot tab.
- Explore your timeline, your FIRE type, and your savings rate leverage.
No subscription. No login. Just the real math behind your path to financial independence.
Educational tool only. This spreadsheet does not provide personalized financial, legal, tax, or investment advice. Projections assume a constant rate of return, which real markets do not deliver. Results depend on your own numbers, decisions, and follow-through.
What's your biggest money question right now? Drop it in the comments below.
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