Free FIRE, debt & net worth calculators

Find the year work becomes optional

Project your savings month by month to the point where investment income covers your spending. Adjust age, contributions, returns and target spending, and watch the freedom date move in real time.

The day your pot can grow on its own

Coast FIRE is the moment your existing savings would reach your target by retirement age with no further contributions. This finds that crossover age and what it would take to bring it forward.

Part-time work, full-time freedom

Model a semi-retirement phase where part-time income covers some of your spending while the portfolio keeps growing. See how many years of full-time work that trade removes.

How much can you actually take?

Compare withdrawal rates from 2% to 6% against both simulated and historical outcomes, and see how the choice changes the pot you need and the risk you carry into retirement.

Covering the years before pensions unlock

If you stop work before your pension is accessible, only some of your money can be spent. This checks whether your accessible pots can carry you to the unlock age without running dry.

Two ages, two incomes, one date

Household planning with two different ages and contribution levels, including how a partner’s pension access age and life expectancy change the joint picture.

The only number that really sets the date

Your savings rate (income minus spending, over income) determines the years to financial independence almost on its own. Enter both and see the years fall out.

Your FIRE number in one step

Annual spending multiplied by 25 is the shorthand for the pot a 4% withdrawal rate supports. Enter your spending for the number, and see how other rates change it.

What does a pot actually pay?

The 4% rule in reverse: enter a pot and get the monthly income it could sustain, at whichever withdrawal rate you consider safe.

A thousand possible futures

Markets do not deliver an average return every year. This runs your plan through a thousand randomised return sequences and reports how many of them still had money at the end.

Your plan against real market history

Replay your plan against every starting year since 1900 using historical real returns. It answers a sharper question than averages do: would this plan have survived the actual past?

Retiring the day everything falls

Sequence-of-returns risk in a single number: what happens to your plan if a 35% crash lands in the first year of retirement and returns never recover to your assumption.

The outcome most calculators ignore

Overlays mortality on your projection, so each future year is split three ways: still investing, alive but out of money, or no longer here. It reframes "one more year" honestly.

Fixed, percentage, or guardrails

Compare a fixed real income against percentage-of-portfolio withdrawals and Guyton-Klinger guardrails, and see the trade between steady spending and never running out.

Which lever moves your date most

Nudge each input up and down in turn and rank them by how many months they move your freedom date. Usually the answer surprises people: it is rarely the return assumption.

Snowball against avalanche, with real numbers

List every debt, then compare paying smallest-balance-first against highest-interest-first. Shows the debt-free date, total interest, and what an extra payment each month buys you.

How long you must stay for buying to win

Compares renting and buying on equal footing: stamp duty, maintenance, selling fees, and the return the deposit would have earned invested. The answer is a break-even year, not a monthly payment.

Years and interest an overpayment saves

See how regular overpayments shorten the term and cut total interest, then compare that guaranteed return against investing the same money instead.

Needs, wants and savings in proportion

Splits your take-home pay across needs, wants and saving, and shows the size and direction of every gap. Minimum debt payments count as needs; only overpayments count as saving.

When will you get there?

Set a target and a monthly amount and get the month you reach it, with interest separated from contributions so you can see how much of the goal the bank is paying for.

The classic, with a tracker

Save a rising amount each week for a year. Pick your multiplier to set the difficulty, then tick weeks off as you go and watch the total build toward the finish line.

Three months, six, or something else

Size a cash buffer from your actual monthly essentials and circumstances (job security, dependants, income stability) rather than a one-size rule of thumb.

Growth, contributions, and time

The engine underneath every other tool here: starting balance, regular contributions and a growth rate, projected forward with the interest separated from what you put in.

What a 1% fee really costs

Platform and fund fees compound against you. This converts a percentage into the money lost over your investing life, and the extra months of work it represents.

Today's money versus future money

Convert between real and nominal amounts so a projection means something: £1m in 2050 is not £1m today, and every plan here is quoted in today’s money for that reason.

Give every pound a job, the day you are paid

Split one paycheck into bills, debt payments, goals, investing and what is genuinely safe to spend. A two-minute routine to run the moment your salary lands.

What your recurring bills really cost

List every recurring charge to see the annual total, spot the ones whose price has crept up, and find what cancelling one is worth if redirected at your mortgage or portfolio.

The next 30 days, not the next 30 years

Map income and bills across a month to find the dip days, when several bills land before the next payday, and move a transfer before it costs you an overdraft fee.

Turn once-a-year costs into a monthly number

Car insurance, Christmas, the boiler service, the renewal you always forget. Set the yearly targets and get the monthly amount that stops them wrecking a budget.

Log what you spend, see where it goes

A daily spending log with a category breakdown. Free, no bank connection, no sign-up to try, and a full ledger with bills, balances and safe-to-spend once you have an account.

One number, tracked monthly

Add your accounts once, then log balances each month. Assets minus debts, charted over time, with your own notes against the months that moved.

Where you stand, and why it barely matters

Compare your net worth against typical figures for your age band, and read the caveats, because medians hide enormous variation in property, pensions and inheritance.