Investing & FIRE calculators
Compound interest, FIRE numbers, the 4% rule, retirement-corpus projections. Indexed to inflation rates we publish per locale.
All investing & fire tools
80 tools, each runs locally in your browser. Click any card to open it.
4% Rule Safe Withdrawal takes contribution, return, time horizon, inflation and returns the matching 4% rule safe with…
401(k) Employer Match Calculator computes match dollars captured, dollars left on the table from salary, employee defe…
401k vs roth ira, roth ira vs 401k, which is better 401k or roth ira, retirement savings us, 401k roth comparison 401(…
401k vs ira, 401k or ira, traditional ira vs 401k, retirement comparison, which to fund first 401(k) vs traditional ir…
529 College Savings Calculator computes college savings balance, tuition coverage from annual contribution, years to c…
Annuity Payout Calculator takes contribution, return, time horizon, inflation and returns the matching annuity payout …
Annuity vs Lump Sum Calculator computes maturity value, gain from lump sum amount, expected return, years. Runs entire…
Backdoor Roth Calculator computes tax owed on conversion, Roth balance built from non-deductible IRA contribution, con…
Barista FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current saving…
Bond Ladder Calculator takes contribution, return, time horizon, inflation and returns the matching bond ladder result…
Bond YTM Calculator takes contribution, return, time horizon, inflation and returns the matching bond ytm result. Runs…
CAGR Calculator takes contribution, return, time horizon, inflation and returns the matching cagr result. Runs entirel…
Canada Capital Gains Inclusion Calculator takes income, province, RRSP, TFSA contributions and returns the matching ca…
Capital Gains Calculator takes contribution, return, time horizon, inflation and returns the matching capital gains re…
Coast FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings,…
Compound Interest Calculator computes future value, total interest earned from principal, annual rate, compounding fre…
CPP Retirement Benefit Calculator computes projected retirement balance, sustainable income from current savings, age,…
Dividend Discount Model computes discounted price, you save from original price, discount %. Runs entirely in your bro…
Dividend Yield Calculator takes contribution, return, time horizon, inflation and returns the matching dividend yield …
Emergency Fund computes target balance, months to reach it from monthly expenses, current savings, monthly contributio…
EMI vs SIP Calculator takes home price, down payment, rate, term, taxes and returns the matching emi vs sip result. Ru…
EPF Calculator computes EPF balance at exit, total interest, pension share from salary, contribution percentage, years…
ETF vs Mutual Fund: Same underlying index, different wrappers - which actually keeps more of your money? takes numbers…
Fat FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, s…
FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, savin…
FIRE Number Calculator (25× rule) takes contribution, return, time horizon, inflation and returns the matching fire nu…
Inflation-Adjusted Retirement computes inflation-adjusted retirement corpus needed from current expenses, inflation, c…
Inherited IRA RMD computes tax advantaged retirement balance from contribution, age, return rate, account type. Runs e…
isa vs sipp, sipp vs isa, uk pension comparison, isa or sipp better, uk retirement savings isa vs sipp: flexible tax-f…
Junior ISA Calculator computes tax free ISA balance from annual contribution, return rate, years. Runs entirely in you…
Lean FIRE Calculator computes years to FI, target portfolio, withdrawal income from annual expenses, current savings, …
Lumpsum Calculator computes maturity value, gain from lump sum amount, expected return, years. Runs entirely in your b…
Mega Backdoor Roth computes after tax Roth balance built outside the 23k cap from after tax 401(k) contribution, retur…
Monte Carlo Retirement computes projected retirement balance, sustainable income from current savings, age, contributi…
mutual fund vs stocks, stocks or mutual funds, direct equity vs mutual fund, sip vs stock investing, stock picking vs …
NPS Calculator computes NPS corpus at 60, annuity income, lump sum from monthly contribution, age, equity allocation, …
P/E Ratio Calculator takes numbers, ranges, parameters and returns the matching p/e ratio result. Runs entirely in you…
Pension vs Lump Sum takes contribution, return, time horizon, inflation and returns the matching pension vs lump sum r…
PPF Calculator computes maturity value, total contributed, total interest from annual contribution, years, current PPF…
ppf vs epf, epf vs ppf, ppf or epf better, india provident fund comparison, employee vs public pf ppf vs epf: two gove…
ppf vs fd, ppf vs fixed deposit, tax-free fd, ppf or fd better, india safe investment ppf vs fixed deposit: tax-free 7…
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Retirement Corpus computes corpus needed at retirement, monthly saving required from monthly expenses, retirement age,…
Roth IRA vs Traditional IRA: Same $7,000 limit, opposite tax treatments - which builds more retirement wealth? compute…
Roth vs Traditional 401(k) computes future value at retirement, contributions vs growth split from 401(k) balance, con…
rrsp vs fhsa, fhsa vs rrsp, first home savings account canada, hbp vs fhsa, canadian home saving rrsp vs fhsa: first h…
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Years to double = 72 / annual return rate.
Savings Goal Calculator takes contribution, return, time horizon, inflation and returns the matching savings goal resu…
SEP-IRA Calculator computes tax advantaged retirement balance from contribution, age, return rate, account type. Runs …
SIP Calculator computes maturity value, total invested, total gain from monthly investment, expected return, years. Ru…
sip vs lumpsum, lumpsum or sip, sip lumpsum comparison, mutual fund investing india, dollar cost averaging sip vs lump…
Solo 401(k) Calculator computes future value at retirement, contributions vs growth split from 401(k) balance, contrib…
SIP with annual contribution increase. As your salary grows, so does your investment.
SWP Calculator computes sustainability years, ending balance from corpus, monthly withdrawal, expected return, years. …
SWP vs Annuity: Rs 1 crore at 60 - draw 6%/yr from your mutual funds (SWP) or buy a 6.5% lifetime annuity? computes su…
Treasury Bond Yield Calculator computes current yield, yield to maturity from face value, coupon rate, market price, y…
International FIRE Calculator (8 countries) computes years to FI, target portfolio, withdrawal income from annual expe…
US Work Visa Eligibility Checker (H-1B/O-1/EB-2/EB-1A) computes tax free ISA balance from annual contribution, return …
India mutual fund picker 2026, ELSS top funds, mid-cap MF, small-cap, multi-asset NIFTY 500 index india mutual fund pi…
A Roth IRA is a US retirement account where contributions are made with after tax dollars but qualified withdrawals (i…
A 401(k) is a US employer sponsored retirement account funded with pre tax dollars (Traditional) or after tax dollars …
A retirement calculator projects whether your current savings rate is on track to fund your retirement at a chosen age…
An Individual Retirement Arrangement (IRA) is a US tax-advantaged retirement account available to anyone with earned i…
A Traditional IRA accepts pre-tax contributions (if deductible) that grow tax-deferred until withdrawal in retirement,…
A Tax-Free Savings Account (TFSA) is a Canadian registered account where contributions are after-tax but ALL growth an…
The First Home Savings Account (FHSA) is a Canadian registered account that combines RRSP-style tax-deductible contrib…
An Individual Savings Account (ISA) is a UK tax-free wrapper for savings and investments. The 2026 annual subscription…
A Registered Retirement Savings Plan (RRSP) is the primary Canadian tax-deferred retirement account. Contributions are…
Asset allocation is the percentage of your portfolio in each asset class (stocks, bonds, cash, alternatives). It is th…
Dividend reinvestment plans (DRIPs) automatically use cash dividends to buy more shares, compounding the share count o…
Mutual fund returns include the fund's gross performance minus the expense ratio. Over multi-decade horizons the expen…
Bond yield comes in three flavors: coupon yield (fixed at issue), current yield (coupon ÷ market price), and yield to …
Retirement corpus is the lump sum of investments needed at retirement to fund withdrawals for life. The standard answe…
A retirement shortfall is the gap between your projected portfolio at retirement and the target corpus needed. Identif…
Project your defined-benefit or defined-contribution pension value at retirement age. Decision support for DB vs lump-…
Estimate your federal tax bracket in retirement based on planned withdrawals from Social Security, pre-tax retirement …
US capital gains tax depends on holding period (STCG vs LTCG), filing status, total income, and asset type. Calculate …
Calculate sustainable annual withdrawal from a retirement portfolio at 3% to 4.5% safe withdrawal rates with a sensiti…
Find your years to financial independence based on current savings, savings rate, expected return, and annual expenses.
About investing & fire
Investing and FIRE (Financial Independence, Retire Early) calculators cover compound interest, monthly SIP and lump-sum projections, the 4% safe withdrawal rate, FIRE number sizing (LeanFIRE, FatFIRE, CoastFIRE, BaristaFIRE), retirement corpus targeting, sequence-of-returns risk modeling, asset-allocation drift, bond YTM and duration, dividend reinvestment, and the Mega Backdoor Roth IRA path.
Use these tools to answer: what's my FIRE number at $80k of annual expenses, can I CoastFIRE at age 35 with $400k invested, how does a 60/40 portfolio survive a 30-year drawdown, what's the difference between investing $500/month in an S&P 500 index vs a target-date fund, and how do I model a Backdoor Roth conversion ladder for early retirement.
Sources: SSA actuarial tables for life expectancy, Trinity Study (Cooley/Hubbard/Walz) for the 4% rule, Shiller CAPE data for valuation context, Vanguard expense ratios for cost assumptions. We don't predict returns; we let you stress-test your plan against historical sequences.
Common use cases
Real scenarios where the investing & fire calculators in this category earn their keep.
Compute your FIRE number
FIRE number = annual expenses × 25 (the 4% rule inversion). The FIRE calculator subtracts expected Social Security, pension, or part-time income and runs sensitivity on inflation.
CoastFIRE checkpoint
Find the age at which your current portfolio compounds to your FIRE number without further contributions. Useful if you want to step back from high-paying work in your 40s.
4% rule safe withdrawal
Apply the Trinity-Study-derived 4% inflation-adjusted withdrawal on a 60/40 or 75/25 portfolio. The tool runs the historical success rate over 30 years.
SIP corpus projection
Compound a monthly SIP at your assumed return (8-12% for equity in India), step-up rate, and tenure. Output the corpus and the tax liability at the end.
Mega Backdoor Roth ladder
Model after-tax 401(k) contributions converted to Roth, plus a Roth conversion ladder during early retirement to access funds penalty-free before 59½.
Key terms
Glossary for the formulas and conventions these tools use.
- 4% rule
- Withdraw 4% of starting portfolio in year 1, then adjust that dollar amount for inflation each subsequent year. Historically survived 30 years in 95%+ of starting periods for 60/40 stocks-bonds.
- FIRE number
- Annual expenses × 25 (or × 30 for a more conservative SWR). The portfolio size at which the 4% rule covers your spending indefinitely.
- CoastFIRE
- You've saved enough that, without further contributions, compounding alone reaches your FIRE number by traditional retirement age. You only need to cover current expenses, not save for retirement.
- Sequence-of-returns risk
- The risk that poor early returns in retirement permanently impair the portfolio. Mitigated by glide-path bond allocation in the first 10 years of retirement.
- Roth conversion ladder
- Convert Traditional IRA / 401(k) to Roth at low marginal rates during early retirement. After the 5-year seasoning, the principal can be withdrawn penalty-free before 59½.
- Expense ratio
- Annual percentage of fund assets paid to the manager. Index funds (0.03-0.20%) vs active funds (0.5-1.5%). Drag compounds over decades.
- Asset allocation
- Mix of equities, bonds, cash, REITs, and alternatives. 60/40 (stocks/bonds) is the default balanced; 100/0 max-aggressive; bond glide path tilts to bonds as you age.
Frequently asked questions
Short answers to the most common investing & fire questions.