— Retirement & FIRE
Retirement & FIRE Calculators
Two questions, answered: how much you need to retire, and how long it will last — from FIRE targets to drawdown and safe withdrawal rates.
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- Retirement Calculator Build a full retirement plan from savings to drawdown. Enter age, savings, contributions, return, and target spending to see projected corpus, surplus or shortfall, supported monthly income, extra savings needed, and a year-by-year glide path.
- Retirement Corpus Calculator Calculate how big a retirement corpus you need. Enter target income, withdrawal rate or retirement length, return, tax, pension income, and legacy goal to see the required nest egg in today’s and future money.
- Retirement Savings Calculator Project your retirement savings from current balance, monthly contributions, return, and years to retirement. See the final corpus split between contributions and growth, or switch to target mode to solve the monthly contribution needed.
- Required Retirement Contribution Calculator Find the monthly contribution needed to hit your retirement goal. Enter target corpus or desired retirement income, current savings, years to retirement, and expected return to see monthly and annual savings required, including employer match or windfalls.
- Retirement Gap Calculator Check whether you’re on track for retirement. Compare projected savings with the corpus needed for your desired income, then see any surplus or shortfall and the monthly savings, later retirement age, or spending cut needed to close the gap.
- Inflation-adjusted Retirement Calculator Plan retirement in today’s money. Enter savings, contributions, expenses, return, and inflation to see real purchasing power, nominal values, required corpus, and how fixed versus inflation-linked income changes the result.
- FIRE Calculator Find when you can stop working. Enter expenses, savings, contributions, return, and withdrawal rate to calculate your FIRE number, progress, years to reach it, FI age, and lean, fat, and coast-FIRE milestones in today’s money.
- Financial Independence Calculator Find your financial independence number and timeline. Enter expenses, savings, savings rate or contributions, and expected return to see the corpus needed, years to FI, age reached, progress so far, and how savings rate changes the path.
- Early Retirement Calculator Estimate the earliest age you can retire and whether your money survives a long drawdown. Enter savings, spending, returns, Social Security timing, and health-insurance costs to see the target corpus, bridge years, and retirement sustainability.
- Coast FIRE Calculator Find your Coast FIRE number: the amount that can grow to your full FIRE target by retirement with no new contributions. Enter age, savings, target, and return to see whether you can coast and how far you still need to go.
- Barista FIRE Calculator Calculate your Barista FIRE number: the portfolio needed when part-time income covers part of your spending. Enter expenses, savings, return, and expected part-time income to see the smaller target, years to reach it, and corpus saved versus full FIRE.
- Lean FIRE Calculator Calculate the FIRE number for a deliberately frugal budget. Enter bare-bones expenses, savings, return, and withdrawal rate to see the lean FIRE corpus, years to reach it, progress, and how relocation, savings rate, or medical buffers affect the target.
- Fat FIRE Calculator Calculate the FIRE number for a generous retirement budget. Enter target spending, savings, return, and withdrawal rate to see the fat FIRE corpus, years to reach it, progress, and how taxes, legacy goals, or cautious withdrawal assumptions change the target.
- Safe Withdrawal Rate Calculator Find a sustainable withdrawal rate for your retirement savings, or test a rate like the 4% rule. Enter corpus, horizon, return, and inflation to see whether withdrawals last, with options to spend down or preserve capital.
- The 4% Rule Calculator Use the 4% rule to turn annual expenses into a retirement corpus, or a corpus into first-year withdrawal. See the classic 25× target plus 3% and 3.5% alternatives, with a year-by-year look at how the pot holds up.
- Retirement Withdrawal Calculator Model retirement withdrawals year by year. Enter corpus, withdrawal amount or target duration, return, inflation, and pension income to see how long the money lasts, the sustainable withdrawal amount, depletion age, and withdrawal rate.
- How Long Will My Money Last Calculator See how long your savings last in retirement. Enter corpus, withdrawals, return, and inflation to get depletion age and years covered, with options for pension income, fees, large expenses, inheritance, or preserving a legacy.
- Retirement Income Calculator Estimate the income your retirement corpus can support. Enter savings, withdrawal method, retirement length, return, tax, and pension or Social Security income to see sustainable annual and monthly income, total retirement income, and whether the pot lasts.
- Annuity Calculator Turn a lump sum into retirement income, or work backwards from the income you want to the capital required. Choose payment timing, escalation, deferral, survivor share, or life-annuity payout rate to see income, lump sum, or future value.
- Pension Calculator Estimate either a defined-contribution pension pot or a salary-based defined-benefit pension. Enter contributions, employer match, tax relief, service, salary, and payout options to see the retirement pot, annual pension, monthly income, survivor benefit, and inflation impact.
- Social Security & State Pension Estimator Estimate government retirement benefits for the US or UK. For the US, compare Social Security at 62, full retirement age, and 70; for the UK, estimate State Pension from qualifying National Insurance years.
- EPF Calculator Project your EPF corpus at retirement from employee and employer contributions, interest, salary growth, and optional Voluntary PF. See the EPF balance, EPS pension split, yearly growth, and how salary increments change the final amount.
- NPS Calculator Project your National Pension System corpus at 60. Enter contributions, expected return, step-ups, and employer contributions to see the maturity corpus, tax-free lump sum, annuity purchase amount, estimated monthly pension, and 80CCD tax benefit.
- Gratuity Calculator Calculate statutory gratuity in India from last drawn salary and years of service. Apply the covered or non-covered employer formula, rounding rules, and tax exemption cap to see gross gratuity, tax-free amount, and taxable balance.
How much you need 6
- Inflation-adjusted Retirement Calculator Plan retirement in today’s money. Enter savings, contributions, expenses, return, and inflation to see real purchasing power, nominal values, required corpus, and how fixed versus inflation-linked income changes the result.
- Required Retirement Contribution Calculator Find the monthly contribution needed to hit your retirement goal. Enter target corpus or desired retirement income, current savings, years to retirement, and expected return to see monthly and annual savings required, including employer match or windfalls.
- Retirement Calculator Build a full retirement plan from savings to drawdown. Enter age, savings, contributions, return, and target spending to see projected corpus, surplus or shortfall, supported monthly income, extra savings needed, and a year-by-year glide path.
- Retirement Corpus Calculator Calculate how big a retirement corpus you need. Enter target income, withdrawal rate or retirement length, return, tax, pension income, and legacy goal to see the required nest egg in today’s and future money.
- Retirement Gap Calculator Check whether you’re on track for retirement. Compare projected savings with the corpus needed for your desired income, then see any surplus or shortfall and the monthly savings, later retirement age, or spending cut needed to close the gap.
- Retirement Savings Calculator Project your retirement savings from current balance, monthly contributions, return, and years to retirement. See the final corpus split between contributions and growth, or switch to target mode to solve the monthly contribution needed.
FIRE & early retirement 7
- Barista FIRE Calculator Calculate your Barista FIRE number: the portfolio needed when part-time income covers part of your spending. Enter expenses, savings, return, and expected part-time income to see the smaller target, years to reach it, and corpus saved versus full FIRE.
- Coast FIRE Calculator Find your Coast FIRE number: the amount that can grow to your full FIRE target by retirement with no new contributions. Enter age, savings, target, and return to see whether you can coast and how far you still need to go.
- Early Retirement Calculator Estimate the earliest age you can retire and whether your money survives a long drawdown. Enter savings, spending, returns, Social Security timing, and health-insurance costs to see the target corpus, bridge years, and retirement sustainability.
- FIRE Calculator Find when you can stop working. Enter expenses, savings, contributions, return, and withdrawal rate to calculate your FIRE number, progress, years to reach it, FI age, and lean, fat, and coast-FIRE milestones in today’s money.
- Fat FIRE Calculator Calculate the FIRE number for a generous retirement budget. Enter target spending, savings, return, and withdrawal rate to see the fat FIRE corpus, years to reach it, progress, and how taxes, legacy goals, or cautious withdrawal assumptions change the target.
- Financial Independence Calculator Find your financial independence number and timeline. Enter expenses, savings, savings rate or contributions, and expected return to see the corpus needed, years to FI, age reached, progress so far, and how savings rate changes the path.
- Lean FIRE Calculator Calculate the FIRE number for a deliberately frugal budget. Enter bare-bones expenses, savings, return, and withdrawal rate to see the lean FIRE corpus, years to reach it, progress, and how relocation, savings rate, or medical buffers affect the target.
Withdrawals & drawdown 6
- The 4% Rule Calculator Use the 4% rule to turn annual expenses into a retirement corpus, or a corpus into first-year withdrawal. See the classic 25× target plus 3% and 3.5% alternatives, with a year-by-year look at how the pot holds up.
- Annuity Calculator Turn a lump sum into retirement income, or work backwards from the income you want to the capital required. Choose payment timing, escalation, deferral, survivor share, or life-annuity payout rate to see income, lump sum, or future value.
- How Long Will My Money Last Calculator See how long your savings last in retirement. Enter corpus, withdrawals, return, and inflation to get depletion age and years covered, with options for pension income, fees, large expenses, inheritance, or preserving a legacy.
- Retirement Income Calculator Estimate the income your retirement corpus can support. Enter savings, withdrawal method, retirement length, return, tax, and pension or Social Security income to see sustainable annual and monthly income, total retirement income, and whether the pot lasts.
- Retirement Withdrawal Calculator Model retirement withdrawals year by year. Enter corpus, withdrawal amount or target duration, return, inflation, and pension income to see how long the money lasts, the sustainable withdrawal amount, depletion age, and withdrawal rate.
- Safe Withdrawal Rate Calculator Find a sustainable withdrawal rate for your retirement savings, or test a rate like the 4% rule. Enter corpus, horizon, return, and inflation to see whether withdrawals last, with options to spend down or preserve capital.
Pensions & schemes 5
- EPF Calculator Project your EPF corpus at retirement from employee and employer contributions, interest, salary growth, and optional Voluntary PF. See the EPF balance, EPS pension split, yearly growth, and how salary increments change the final amount.
- Gratuity Calculator Calculate statutory gratuity in India from last drawn salary and years of service. Apply the covered or non-covered employer formula, rounding rules, and tax exemption cap to see gross gratuity, tax-free amount, and taxable balance.
- NPS Calculator Project your National Pension System corpus at 60. Enter contributions, expected return, step-ups, and employer contributions to see the maturity corpus, tax-free lump sum, annuity purchase amount, estimated monthly pension, and 80CCD tax benefit.
- Pension Calculator Estimate either a defined-contribution pension pot or a salary-based defined-benefit pension. Enter contributions, employer match, tax relief, service, salary, and payout options to see the retirement pot, annual pension, monthly income, survivor benefit, and inflation impact.
- Social Security & State Pension Estimator Estimate government retirement benefits for the US or UK. For the US, compare Social Security at 62, full retirement age, and 70; for the UK, estimate State Pension from qualifying National Insurance years.
- Annuity Calculator Turn a lump sum into retirement income, or work backwards from the income you want to the capital required. Choose payment timing, escalation, deferral, survivor share, or life-annuity payout rate to see income, lump sum, or future value.
- Barista FIRE Calculator Calculate your Barista FIRE number: the portfolio needed when part-time income covers part of your spending. Enter expenses, savings, return, and expected part-time income to see the smaller target, years to reach it, and corpus saved versus full FIRE.
- Coast FIRE Calculator Find your Coast FIRE number: the amount that can grow to your full FIRE target by retirement with no new contributions. Enter age, savings, target, and return to see whether you can coast and how far you still need to go.
- Early Retirement Calculator Estimate the earliest age you can retire and whether your money survives a long drawdown. Enter savings, spending, returns, Social Security timing, and health-insurance costs to see the target corpus, bridge years, and retirement sustainability.
- EPF Calculator Project your EPF corpus at retirement from employee and employer contributions, interest, salary growth, and optional Voluntary PF. See the EPF balance, EPS pension split, yearly growth, and how salary increments change the final amount.
- Fat FIRE Calculator Calculate the FIRE number for a generous retirement budget. Enter target spending, savings, return, and withdrawal rate to see the fat FIRE corpus, years to reach it, progress, and how taxes, legacy goals, or cautious withdrawal assumptions change the target.
- Financial Independence Calculator Find your financial independence number and timeline. Enter expenses, savings, savings rate or contributions, and expected return to see the corpus needed, years to FI, age reached, progress so far, and how savings rate changes the path.
- FIRE Calculator Find when you can stop working. Enter expenses, savings, contributions, return, and withdrawal rate to calculate your FIRE number, progress, years to reach it, FI age, and lean, fat, and coast-FIRE milestones in today’s money.
- Gratuity Calculator Calculate statutory gratuity in India from last drawn salary and years of service. Apply the covered or non-covered employer formula, rounding rules, and tax exemption cap to see gross gratuity, tax-free amount, and taxable balance.
- How Long Will My Money Last Calculator See how long your savings last in retirement. Enter corpus, withdrawals, return, and inflation to get depletion age and years covered, with options for pension income, fees, large expenses, inheritance, or preserving a legacy.
- Inflation-adjusted Retirement Calculator Plan retirement in today’s money. Enter savings, contributions, expenses, return, and inflation to see real purchasing power, nominal values, required corpus, and how fixed versus inflation-linked income changes the result.
- Lean FIRE Calculator Calculate the FIRE number for a deliberately frugal budget. Enter bare-bones expenses, savings, return, and withdrawal rate to see the lean FIRE corpus, years to reach it, progress, and how relocation, savings rate, or medical buffers affect the target.
- NPS Calculator Project your National Pension System corpus at 60. Enter contributions, expected return, step-ups, and employer contributions to see the maturity corpus, tax-free lump sum, annuity purchase amount, estimated monthly pension, and 80CCD tax benefit.
- Pension Calculator Estimate either a defined-contribution pension pot or a salary-based defined-benefit pension. Enter contributions, employer match, tax relief, service, salary, and payout options to see the retirement pot, annual pension, monthly income, survivor benefit, and inflation impact.
- Required Retirement Contribution Calculator Find the monthly contribution needed to hit your retirement goal. Enter target corpus or desired retirement income, current savings, years to retirement, and expected return to see monthly and annual savings required, including employer match or windfalls.
- Retirement Calculator Build a full retirement plan from savings to drawdown. Enter age, savings, contributions, return, and target spending to see projected corpus, surplus or shortfall, supported monthly income, extra savings needed, and a year-by-year glide path.
- Retirement Corpus Calculator Calculate how big a retirement corpus you need. Enter target income, withdrawal rate or retirement length, return, tax, pension income, and legacy goal to see the required nest egg in today’s and future money.
- Retirement Gap Calculator Check whether you’re on track for retirement. Compare projected savings with the corpus needed for your desired income, then see any surplus or shortfall and the monthly savings, later retirement age, or spending cut needed to close the gap.
- Retirement Income Calculator Estimate the income your retirement corpus can support. Enter savings, withdrawal method, retirement length, return, tax, and pension or Social Security income to see sustainable annual and monthly income, total retirement income, and whether the pot lasts.
- Retirement Savings Calculator Project your retirement savings from current balance, monthly contributions, return, and years to retirement. See the final corpus split between contributions and growth, or switch to target mode to solve the monthly contribution needed.
- Retirement Withdrawal Calculator Model retirement withdrawals year by year. Enter corpus, withdrawal amount or target duration, return, inflation, and pension income to see how long the money lasts, the sustainable withdrawal amount, depletion age, and withdrawal rate.
- Safe Withdrawal Rate Calculator Find a sustainable withdrawal rate for your retirement savings, or test a rate like the 4% rule. Enter corpus, horizon, return, and inflation to see whether withdrawals last, with options to spend down or preserve capital.
- Social Security & State Pension Estimator Estimate government retirement benefits for the US or UK. For the US, compare Social Security at 62, full retirement age, and 70; for the UK, estimate State Pension from qualifying National Insurance years.
- The 4% Rule Calculator Use the 4% rule to turn annual expenses into a retirement corpus, or a corpus into first-year withdrawal. See the classic 25× target plus 3% and 3.5% alternatives, with a year-by-year look at how the pot holds up.