Finance & FIRE Calculator
Plan your financial freedom.
Down to the week.
Track income, expenses, and net worth with beautiful charts. Five FIRE scenarios — Lean, Regular, Fat, Coast, and Barista — show exactly when you can achieve financial independence.
5 FIRE Scenarios
Lean, Regular, Fat, Coast, and Barista FIRE. See the tradeoffs between frugal and comfortable retirement.
50-Year Projection
Visualize your portfolio growth over decades. See compound interest in action with interactive charts.
10 Currencies
USD, EUR, GBP, NOK, SEK, DKK, CHF, CAD, AUD, JPY. All calculations and charts use your preferred currency.
Life Calendar Overlay
See your financial milestones on the 90-year calendar. FIRE age, retirement, and financial goals marked visually.
Five FIRE Scenarios Compared
Not all FIRE is the same. Lean FIRE means minimal expenses. Fat FIRE means comfortable living. Coast FIRE means stop saving and let compounding do the work. See all five scenarios side by side.
- Lean FIRE — 25× minimal annual expenses
- Regular FIRE — 25× current annual expenses
- Fat FIRE — 25× comfortable annual expenses
- Coast FIRE — Stop contributing, let growth compound
- Barista FIRE — Part-time income covers expenses
Budget-Integrated Projections
Your FIRE calculations are powered by real budget data. Categories, sub-categories, and life phase modifiers feed directly into the projection engine for maximum accuracy.
- Dynamic budget categories with sub-categories
- Life phase expense modifiers (kids cost more!)
- Inflation-adjusted projections
- Configurable safe withdrawal rate (default 4%)
Common questions
Finance & FIRE FAQ
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to allow retirement far earlier than traditional budgets. Lifeplanr calculates five FIRE variants: Lean FIRE (minimal expenses), Regular FIRE (current lifestyle), Fat FIRE (comfortable lifestyle), Coast FIRE (stop saving, let compounding do the work), and Barista FIRE (part-time work to cover expenses).
How accurate is the FIRE calculator?
The calculator uses your actual income, expenses, savings rate, and expected investment returns to project growth over 30-50 years. It accounts for inflation and uses the 4% safe withdrawal rate (adjustable). While no projection is perfectly accurate, it gives you a realistic roadmap to financial independence.
What is Coast FIRE?
Coast FIRE is the point where your invested assets will grow to your full FIRE number by traditional retirement age (e.g., 65) through compound growth alone — without any additional contributions. Once you reach Coast FIRE, you only need to earn enough to cover current expenses.
What currencies are supported?
Lifeplanr supports 10 currencies: USD, EUR, GBP, NOK, SEK, DKK, CHF, CAD, AUD, and JPY. All financial calculations and charts use your selected currency with the appropriate symbol formatting.
Financial freedom starts today.
See your FIRE date.
Plan your path to independence with real numbers.
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