About FIRE Retirement Planning
FIRE Retirement Planning is a free, ad-free educational tool for retirement and FIRE planning. It combines portfolio tracking, Monte Carlo analysis, sequence-of-returns and bucket strategy calculators, and an AI assistant — all built to make a notoriously jargon-heavy subject approachable.
What is FIRE retirement?
What this site is
Privacy by design
What you can do here
Coast FIRE explained
How we keep it free
Educational, not financial advice. Everything on this site is for education and planning. Calculator outputs are estimates based on your assumptions, and the AI assistant can make mistakes. Consider a qualified professional for decisions about your money.
What we are not
- No.
- All calculators, the portfolio tracker and the AI assistant are free to use with no paywalls, no subscriptions and no ads. Revenue comes only from the independent advisor directory.
- All outputs are estimates based on your assumptions.
Yes. Your portfolio is encrypted in your browser before it leaves your device. We cannot read it without your password or recovery key. We never sell your data.
Why we built it
Enter your annual expenses and multiply by 25 (a 4% withdrawal rate) as a starting point. The tools also model inflation, returns and stress tests like Monte Carlo to see how robust your plan is.
How we keep it free
All calculators, the portfolio tracker and the AI assistant are free to use with no paywalls, no subscriptions and no ads. Revenue comes only from the independent advisor directory.
Educational, not financial advice. Everything on this site is for education and planning. Calculator outputs are estimates based on your assumptions, and the AI assistant can make mistakes. Consider a qualified professional for decisions about your money.
Frequently Asked Questions
Is FIRE Retirement Planning really free?
Yes. The calculators, portfolio tracker and AI assistant are free to use. There are no subscriptions, no paywalls and no adverts. The site is supported by its advisor directory, where independent professionals pay to be listed.
Do I need an account to use the calculators?
No. Every calculator works without signing in. Create an account only if you want to save and sync your portfolio securely across devices.
How does the FIRE number calculator work?
Enter your annual expenses and multiply by 25 (a 4% withdrawal rate) as a starting point. The tools also model inflation, returns and stress tests like Monte Carlo to see how robust your plan is.
What is the difference between FIRE and retirement planning?
Traditional retirement planning often targets a fixed age (like 60). FIRE (Financial Independence, Retire Early) aims for the day your investments cover expenses regardless of age — giving you the option to stop working early.
Is this financial advice?
No. This is an educational planning tool. All outputs are estimates based on your assumptions. For decisions about your money, speak to a qualified professional. See our disclaimer for details.
Is my portfolio data private and secure?
Yes. Your portfolio is encrypted in your browser before it leaves your device. We cannot read it without your password or recovery key. We never sell your data.