FIRE Calculation & Planning Tool
Verify the feasibility of your financial independence plan with adjustable assumption models.
Why Use a Calculator?
FIRE is about cash flow planning, not just saving. A robust plan must account for inflation ensuring purchasing power, sequence of return risks, and spending changes across different life stages.
Tool Capabilities
Multi-Currency & Purchasing Power
Supports 9+ currencies with automatic exchange rates and historical inflation adjustments for real-world accuracy.
Visualized Accumulation
Clearly visualize the golden crossover between accumulation and withdrawal phases to track your progress.
Scenario Simulation
Stress test your plan against Lean/Fat/Coast FIRE modes and predict performance under extreme market conditions.
Our Calculation Logic
This tool uses 'Cash Flow Simulation' rather than simple compound interest. We default to: 1. Long-term average inflation (approx. 2-3%), 2. Historical market returns (7-8% nominal), 3. 4% Safe Withdrawal Rate as a baseline. You can adjust these parameters based on your risk tolerance.
Start Your Planning
This tool is included in the Fire Path app, offering offline storage and complete privacy protection.
View Tool Details (Reference)