Tools & Math
The numbers, formulas, and tools behind the FIRE movement — withdrawal rates, compound interest, and the math of early retirement.
When Can I Retire? How to Calculate Your Retirement Date
'March 2034' hits different than '$1.2 million.' Here's how to calculate your actual retirement date — and why knowing WHEN matters more than knowing HOW MUCH.
· 4 min read Tools & MathFIRE Number Calculator: How to Calculate Your Financial Independence Number
Your FIRE number is the amount of money you need invested to never work again. Here's the formula, why it works, what most FIRE calculators get wrong, and how to calculate yours in 60 seconds.
· 3 min read Tools & MathIndex Funds: The Only Investment You Need for FIRE
You don't need to pick stocks, time the market, or hire a financial advisor. A single low-cost index fund, invested in consistently, is how most early retirees actually built their wealth. Here's why it works.
· 3 min read Tools & MathRetire Early Calculator: Find Your Exact Quit Date
Most retirement calculators tell you if you'll run out of money at 85. A retire early calculator tells you when you can stop working entirely. Here's what to look for and how to get your answer in 60 seconds.
· 4 min read Tools & MathYour Savings Rate Matters More Than Your Salary
A person earning $50K who saves 50% will reach financial independence before someone earning $200K who saves 10%. Your savings rate — not your salary — determines when you can quit.
· 2 min read