The math of money,
made simple.
Free calculators for FIRE, savings, net worth, and the real cost of the things you spend on. Run privately in your browser. No accounts, no tracking — just honest math, plainly explained.
0 bytes sent to a server 21 calculators ~30s to a real answer
When can you stop working?
Four flavors of financial independence. Same math, different lifestyle bets.
- Most popular
Coast FIRE
Stop saving once compounding can finish the job.
$93K typical target - The classic
Standard FIRE
25× annual expenses. Full retirement.
$1.25M typical target - Minimalist
Lean FIRE
A pared-down version. ~$25k/yr lifestyle.
$625K typical target - Half-retired
Barista FIRE
Cover the gap with part-time work and benefits.
$520K typical target
What you make. What you keep.
Your real hourly rate, what to charge clients, what you're worth, and what the IRS takes.
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Net Worth
What you own minus what you owe — the most honest snapshot.
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Savings Rate
Years to FIRE — driven by one number that isn't your income.
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True Hourly Wage
Real take-home rate after tax, expenses, and commute.
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Freelance Hourly Rate
What to charge clients to actually keep your target take-home.
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Tax Brackets
Marginal vs effective rate — what you actually pay.
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What marketplaces actually take.
eBay, Etsy, Mercari, Poshmark — every fee on a sale, your net payout, and the breakeven price.
What money does over time.
Compounding, annualized returns, and inflation — the three forces that decide what your money becomes.
What things actually cost.
Money flowing out — over the full term, not the sticker. Loans, recurring obligations, big purchases.
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Debt Payoff
Snowball vs avalanche side-by-side.
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Mortgage
PITI, PMI, total interest, true 30-year cost.
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Student Loan
Standard / Extended / IBR plans with forgiveness math.
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True Cost of Car
Real $/year and $/mile after depreciation + fuel + insurance.
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Lifetime Cost
Total cost of a kid, pet, or any 10+ year obligation.
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