FIRE & Early Retirement Calculator

Your FIRE number, the age you actually get there, and what would change it. In today's money, not fantasy money.

6 tabs, all connected

• Start Here — Nine numbers and the file is set up
• Dashboard — FIRE number, age, savings rate, Coast FIRE
• Projection — 60 years, real and nominal
• Scenarios — Eight what-ifs side by side
• Spending — Build the number from a real year
• Contributions — 60 months of what you actually did
• Blank + Demo files — Start clean or explore the demo

What it does

The number, the age, and one honest sentence

• Your FIRE number, and how far along you are
• Years to go and the age you get there
• Savings rate, still to find, Coast FIRE number
• It tells you in words whether your target age holds

What would actually change it

• The same question at 5, 6, 7 and 8% returns
• And at four different monthly amounts
• Years sooner or later than your base case
• Everything worked out in real terms, after inflation

Sixty years, in today's money

• Start balance, what you add, growth, end balance
• A second column in today's money, which is the real one
• % of your FIRE number, green when you pass it
• Growth on the balance plus half of what you add

The number comes from a real year

• 11 categories of retired life, monthly and yearly
• Your FIRE number is that total divided by your rate
• Change the withdrawal rate and watch it move
• 4% rule, 3.5% if you are cautious - your choice

The plan is a line, this is the truth

• Log what you really invest each month
• Running total and your real balance
• Green when you beat the plan, red when you do not
• 60 months

Set up in 10 minutes

1. Download & open — Open in Excel, or upload to Google Drive and choose 'Save as Google Sheets'.
2. Price a retired year — The Spending tab turns it into your FIRE number.
3. Put in what you have and what you add — The dashboard gives you the age. The Scenarios tab shows what moves it.

• Any currency, any country
• Real terms: every answer is adjusted for inflation
• Arithmetic, not a promise - and not financial advice

What you receive

An instant download containing a blank file to start clean, a demo file filled in so you can see how it works, and a short read-me. Works in Google Sheets (free) and in Microsoft Excel, on a phone, a tablet or a computer. Any currency, any country.

Digital download — nothing is posted. No refunds on digital files, but message us if anything does not work and we will fix it.