Nathan WinklepleckCFA®

Free Financial Calculators

Simple, free tools to help you plan your path to financial independence. More calculators are on the way.

Financial Independence

FIRE Calculator

Estimate how many years until you reach financial independence based on your savings rate and expected returns.

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FIRE number

$1,000,000

Estimated FIRE age: 47

The Shockingly Simple Math

Savings Rate Calculator

The shockingly simple math behind early retirement. Enter your savings rate and see how many working years are left.

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Years to financial independence

17.4

20% savings rate36.6 yrs
40% savings rate22.2 yrs
60% savings rate12.7 yrs
Step-by-step retirement planning

Magic Number Calculator

Walk step-by-step through your spending, retirement expenses, fixed income, taxes, and inflation to find your Magic Number.

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Your Magic Number

$1,842,600

  1. 1Current spending
  2. 2− Expenses that go away
  3. 3+ New retirement expenses
  4. 4− Fixed income
  5. 5+ Taxes
  6. 6÷ Withdrawal rate
  7. 7× Inflation to retirement