Free FIRE Calculator — Coast FIRE & One More Year

Last updated: April 17, 2026

MoneyMath's FIRE calculator estimates financial independence age, Coast FIRE, Lean/Fat/Barista FIRE milestones, and the diminishing value of working one more year.

Free to useRuns in your browserTransparent assumptions

Free FIRE calculator with Coast FIRE milestone and 'one more year' trap analysis. See when you can stop saving entirely, Lean vs Fat vs Barista FIRE ages, and the diminishing returns of working past your number.

Use the FIRE Calculator to compare realistic scenarios before making a money, health, or planning decision.

Adjust the inputs and review the result breakdown so you can see which assumptions matter most.

How to use this calculator

Step 1Enter your starting information. Add the core inputs requested by the FIRE Calculator, such as amounts, dates, rates, income, weight, or other scenario details.
Step 2Review the calculated result. Read the headline answer first, then scan the supporting breakdown, chart, or comparison table.
Step 3Compare another scenario. Change one input at a time to understand what drives the result and which option is most realistic.

Formula, Sources & Assumptions

Assumptions

Results are estimates for planning and education.
Actual costs, taxes, rates, or outcomes may differ based on personal circumstances and updated rules.