Decision summary
Clear verdict, FI age, gap, probability estimate, and “what would make quitting safer.”
Private FIRE calculator · built for the quit-work decision
Know if you can quit — before one bad assumption ruins the plan.
A fast, mobile-first retirement cockpit that turns your savings, spending, healthcare, Social Security, and risk assumptions into one clear answer: ready, close, or not yet.
- No signup for free results
- Runs locally in your browser
- Designed for mobile and desktop
Step 1 · Free diagnosis
Can I retire early? Your quit-readiness dashboard
Every field updates the score, chart, FI number, gap, and stress case instantly. Values are in today’s dollars for clearer decisions.
Step 2 · Premium value after the paywall
A professional report that tells you what to fix, not just a number.
The paid report converts your calculator data into a decision memo: risk, bridge years, Social Security dependence, withdrawal sustainability, and next actions.
Downside stress test
Market shock, lower-return case, healthcare before Medicare, and portfolio depletion age.
Action plan
30-day, 90-day, and 12-month checklist tailored to your weak points and savings levers.
Methodology
Transparent assumptions, understandable outputs.
Real-return accumulation
Balances grow using nominal return adjusted for inflation, keeping outputs in today’s dollars.
Gap-based FI number
The tool estimates retirement spending, subtracts bridge income such as Social Security, then divides the gap by your safe withdrawal rate.
Stress test
The downside case applies a market shock and lower returns to highlight sequence-risk exposure.
Educational only
Taxes, benefits, health costs, and market returns vary widely. Use this to prepare better questions for a fiduciary professional.
Popular retirement guides
Keep learning after the calculator.
FAQ
Important limitations
Is the paywall secure?
The free site is static, so client-side gating is not true security. The payment redirect improves the purchase flow, but serious access control requires server-side verification or hosted route protection.
Is this financial advice?
No. It is an educational calculator and report generator. It should help you ask better questions, not replace a qualified fiduciary advisor.
Why use today’s dollars?
Today’s dollars make the result easier to interpret. The model adjusts expected returns for inflation instead of showing inflated future spending.