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 15 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.
The earning side of the balance sheet — your real hourly rate, what to charge clients, and the single number that captures your whole financial picture.
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Net Worth
What you own minus what you owe — the most honest snapshot.
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Savings Rate
How many years until FIRE? Mostly one number — and it isn't your income.
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True Hourly Wage
Your 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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eBay Profit Margin
Net per item after fees, shipping, and inventory cost. Plus breakeven.
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Compound Interest
What money does when you leave it alone — with contributions and any frequency.
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What things actually cost.
Money flowing out — over the full life of the loan, the car, the education. Sticker price is the smaller half of the answer.
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Debt Payoff
Snowball vs avalanche — which gets you debt-free faster.
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Mortgage
PITI, PMI, total interest, and what a home actually costs.
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Student Loan
Standard vs IDR — including the IDR forgiveness amount at year 20.
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True Cost of Car
What a car actually costs per year and per mile.
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Lifetime Cost
What a kid, pet, or any long-term obligation actually costs over the years.
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