firemathlab
Math simplified
What it does
FireMathLab is a free suite of 30+ FIRE and retirement calculators that take the math seriously: Monte Carlo simulation, backtests over 124 years of market history, crash tests, withdrawal strategies and a rich-broke-dead view. No bank linking, and every tool works without an account: type your numbers and watch your freedom date move in real time. Guided setup walks beginners through each input, 18 currencies, every formula public on the methodology page. Your data stays your
Work out the year you could stop working, the fastest way out of debt, and what your net worth is doing. Free calculators with the maths shown, no bank linking.
FireMathLab turns your savings, debts and spending into dates you can plan around: the year you could stop working, the month you clear the cards, the point your pot pays your bills. No account needed to use any calculator. Sign up only to save and track. Four of the tools, cycling. Hover to pause, or jump straight in. Project savings month by month to the point investment income covers your spending. Then watch the date move as you change one input. Each calculator answers one thing properly, shows the formula behind it, and tells you where the model stops being reliable. Project your savings month by month to the point where investment income covers your spending. Adjust age,…from firemathlab.com
Does the same job
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Most retirement calculators either oversimplify things or ask you to link your accounts so they can make money off your data. I wanted something that actually helped me see if I was on track without handing over a bank login, so I built RetireNumber. It's a privacy-first retirement planner. You type in your own numbers. No account linking, no selling your data, no VC. Just me and a subscription. The engine does real math: Monte Carlo with 1,000 runs, historical backtesting to 1928 using Shiller's Yale data, tax-aware withdrawal strategies, and scenario comparison so you can try different…
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Hi HN, I built Firenum because most FIRE calculators I found were either too simplistic or required uploading my entire financial life to a third-party server. I wanted a comprehensive suite that could model more than just the 4% rule. This tool handles Coast, Lean, Fat, and Barista FIRE, but more importantly, it lets you model 'what-if' scenarios like market crashes or major life events to see how they impact your timeline. Key features: -> Privacy-First: No signup required. All calculations and data persistence happen in your local storage. Nothing is sent to a backend. -> Scenario…
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The calculator quickly shows you how long your nest egg will last, given a constant withdrawal. It automatically shows you a safe withdrawal rule to have your capital last forever.
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