About
Free Tools for Financial Independence
We build calculators that help Americans plan their path to retirement -- with transparent math, zero data collection, and no paywalls.
Our Calculators
Coast FIRE Calculator
When can you stop saving and let growth do the rest?
Barista FIRE Calculator
How much to switch to part-time work?
Fat FIRE Calculator
Plan a comfortable early retirement.
Lean FIRE Calculator
Retire early on a frugal budget.
FERS Retirement Calculator
Federal employee pension + TSP projection.
Our Methodology
Every calculation is based on established financial planning research. We implement formulas that financial planners and academics have validated over decades.
Safe Withdrawal Rate
Based on the Trinity Study (1998) and William Bengen's research. Default: 4% for a 30-year retirement.
Expected Returns
Default 7% nominal annual return, based on the S&P 500 long-term historical average (1926-present).
Inflation
Default 3% annual inflation, consistent with long-term US historical averages.
FERS Calculations
Based on OPM's published FERS annuity formulas and current MRA tables.
Privacy First
0 bytes
of your financial data ever leaves your browser.
No accounts
No signup. No login. No email required.
No tracking
Privacy-respecting analytics only. No personal data sold.
Full details: Privacy Policy
Disclaimer
This site is for educational purposes only. Not financial advice. Results are estimates. Investment returns are not guaranteed.
Consult a qualified, fee-only fiduciary financial advisor before making financial decisions.
Contact: [email protected]