FIRE Calculator: Savings Rate

Your savings rate decides when you retire, not your salary. Enter income and spending to see your FI number, your FI date and the age you could stop working.

Find out exactly how many years stand between you and financial independence. Enter your income, your spending and what you have already invested, and see your savings rate, your FI number and the age you could stop working — on one screen.

Most money apps track where your cash went last month. This one answers the only question that matters for early retirement: when do I get out? It runs the FIRE math properly — the 25x rule, a safe withdrawal rate you choose, expected returns adjusted for inflation — then projects your portfolio month by month until it crosses your number. Move one slider and watch the finish line move with it.

WHAT YOU GET

• Your savings rate the moment you type income and expenses, plus the monthly amount it represents
• Your FI number from a withdrawal rate you set yourself, from 2.5% to 5%, not a fixed assumption
• A projected FI date and the exact age you could walk away
• A year-by-year timeline chart of your portfolio climbing toward the target
• Coast, Barista, Lean and Full FIRE milestones, each with its own target and the year you reach it
• A side-by-side comparison of what saving 10%, 30% or 60% does to your years-to-freedom

PERFECT FOR

• Anyone chasing FIRE who wants a real date instead of a vague someday
• High savers deciding whether the next raise or the next spending cut buys more time
• People asking whether they have already hit Coast FI and can stop over-saving
• Anyone planning a career break, a downshift, or part-time work at Barista FI

WHY NOT JUST USE A SPREADSHEET Because a spreadsheet does not recalculate while you think. Here every input is a slider — age, expected return, inflation, withdrawal rate — and the timeline, the milestones and the FI date redraw instantly. Returns are converted to real terms, so inflation is not quietly stealing years from your plan. Save each version as a named plan, and share your numbers as text whenever you want.

This is a planning and education tool, not investment or financial advice. Projections are estimates based on the numbers you enter, not guaranteed returns.

PRIVACY Everything is calculated on your iPhone and stored there. No account, no sign-up, no bank connection, no ads, no tracking, nothing leaving your device. It works fully offline.

FULL ACCESS The calculator, your savings rate and your FI number are free. Full access unlocks the year-by-year timeline chart, the Coast, Barista, Lean and Full FIRE milestones, unlimited savings-rate comparisons, and saving unlimited named plans. Choose a weekly or a yearly subscription, or a one-time lifetime purchase.

Type in this month's income and expenses and see your FI age in under a minute.

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