Your Path to Financial Independence
Everything you need to achieve Financial Independence and Retire Early
Our comprehensive suite of financial calculators helps you plan your path to financial independence. Calculate retirement savings, investment growth, and create your personalized FIRE strategy.
Calculate when you can achieve Financial Independence and Retire Early based on your savings rate and expenses.
See how your investments grow over time with the power of compound interest and regular contributions.
Calculate your 401k growth with employer matching contributions and maximize your retirement savings.
Compare tax advantages between Roth and Traditional IRA accounts to optimize your retirement strategy.
Discover how investment fees and expense ratios erode your returns over decades of investing.
Create a strategic debt elimination plan using snowball or avalanche methods to become debt-free faster.
Calculate how much to save monthly to reach your financial goals for house down payment, emergency fund, or vacation.
Determine what age you can retire based on your current savings, contributions, and retirement goals.
The Financial Independence Retire Early (FIRE) movement offers multiple paths to early retirement. Choose the strategy that aligns with your lifestyle and financial goals.
Retire early with a minimalist lifestyle, typically requiring $25,000-40,000 per year. Focus on reducing expenses and living frugally to achieve financial independence faster.
Accumulate 25x your annual expenses using the 4% rule. Maintain your current lifestyle in retirement with balanced savings and spending approach.
Retire with a comfortable lifestyle requiring $100,000+ per year. Accumulate larger nest egg for luxury retirement without financial constraints.
Save aggressively early, then let investments grow without additional contributions. Work part-time or in lower-stress jobs while investments compound to retirement age.
Achieve partial financial independence, then work part-time for health insurance and supplemental income. Reduces retirement savings needed while maintaining flexibility.
Essential retirement planning knowledge and investment strategies to accelerate your path to financial independence.
Withdraw 4% of your portfolio annually in retirement. Multiply your annual expenses by 25 to calculate your FIRE number. Example: $40,000/year expenses = $1,000,000 needed.
Low-cost index funds (like VTSAX or VTI) offer broad market exposure with minimal fees. Historical 7-10% annual returns make them ideal for long-term wealth building.
Maximize 401k ($23,500 limit), IRA ($7,000 limit), and HSA ($4,150 limit) contributions. Tax savings accelerate wealth building significantly over decades.
Diversify between stocks, bonds, and real estate. Common rule: subtract your age from 110 for stock percentage. Rebalance annually to maintain target allocation.
Maintain 6-12 months expenses in high-yield savings account. Provides security buffer and prevents tapping retirement accounts during emergencies.
$10,000 invested at 7% annual return grows to $76,123 in 30 years. Time in the market beats timing the market. Start investing early to maximize compound growth.
50% savings rate means financial independence in 17 years. 75% savings rate achieves FIRE in just 7 years. Your savings rate determines your timeline more than investment returns.
Resist increasing spending as income rises. Banking raises and bonuses dramatically accelerates FIRE timeline. Live below your means to achieve financial freedom faster.
Common questions about retirement planning, financial independence, and wealth building:
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