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Firenum

#1 Daily Winner

Free FIRE calculator suite for early retirement planning

6 upvotes
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What is Firenum?

Free FIRE calculator suite for planning early retirement. Calculate your FIRE number, Coast FIRE, Lean/Fat/Barista FIRE, project retirement dates, and track net worth with the Progress Tracker. Project your journey twoards FIRe on a dashboard. Model market crash scenarios and other events. Supports 8 currencies. No signup, 100% private - data never leaves your browser. Visit https://firenum.com/ for more!

How to use Firenum

  1. 1

    Visit firenum.com and open the Fire Planner—no account or email needed

  2. 2

    Enter your financial details: age, income, expenses, savings, and investments

  3. 3

    Configure asset types, allocations, and projected life events (home purchase, inheritance)

  4. 4

    Run Monte Carlo simulations and apply stress tests to see your success probability

  5. 5

    Review your FIRE number, target retirement year, and adjust parameters; export CSV if desired

Key features

Monte Carlo backtesting with 10,000 simulations against 153 years of market data

6 stress tests: market crash, job loss, expense spike, inflation, early/late retirement

3 withdrawal strategies and life-event modeling for precise retirement projections

9 asset types (401(k), IRA, Roth, HSA, brokerage, real estate, crypto, cash, custom)

8 currencies and countries; works offline as a PWA on Android

Use cases

  • Calculating your FIRE number and target retirement date
  • Stress-testing your plan against historical market crashes
  • Determining when you can stop saving with Coast FIRE
  • Comparing withdrawal strategies for tax efficiency
  • Planning for international early retirement with multi-currency support

Best for

FIRE enthusiastsEarly retirement plannersPersonal finance learnersPrivacy-conscious usersInternational investorsDIY financial planners

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Frequently asked questions about Firenum

Common questions to help you decide if Firenum is right for you.

Yes, completely. Firenum runs in your browser; numbers are saved only in your device's localStorage. No account, no cloud storage, and nothing is sold. Aggregate traffic uses cookieless analytics. You can export or clear data anytime.

Your FIRE number is the total invested amount needed to cover living expenses indefinitely without working, typically calculated by multiplying annual expenses by 25 (based on the 4% rule).

Yes, all calculators, simulations, and guides are free with no account, no email, and no sign-up. There is no paid tier; everything is fully accessible.

Firenum supports 8 currencies: USD, EUR, GBP, JPY, CAD, AUD, CHF, and INR. Use the currency selector to switch; your preference is saved automatically.

Backtesting uses the Shiller S&P 500 monthly dataset from 1871 to present. Monte Carlo simulations use a drift-corrected lognormal model calibrated to historical volatility. Full methodology is on the references page.

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