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Freedom Runway Calculator
See how long your savings and investments can support your lifestyle.
The complete FIRE planning toolkit
Freedom OSFIRE Calculators for Financial Independence
The Operating System for Financial Freedom
A complete toolkit of FIRE calculators designed to help you plan financial independence, retirement, portfolio growth, and wealth building.
Calculators
Twelve calculators are live today. More tools are planned.
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Freedom Number Calculator
Calculate the portfolio required to fund your lifestyle indefinitely.
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Savings Rate Calculator
Estimate your path to financial independence based on income and expenses.
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Compound Growth Projector
Project portfolio growth using compound returns and contributions.
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Coast FIRE Calculator
Determine whether your investments can grow to financial independence without additional contributions.
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Barista FIRE Calculator
Plan a semi-retired lifestyle where part-time income covers part of your expenses.
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Lean FIRE Calculator
Model an early retirement built around a minimalist, lower-cost lifestyle.
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Fat FIRE Calculator
Project the portfolio needed for a higher-spending, luxury-focused financial independence lifestyle.
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FIRE Date Calculator
Estimate the exact date and age you can reach financial independence based on your savings, portfolio growth, and contribution rate.
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FI Progress Tracker
Track your progress toward financial independence, monitor milestones, estimate your FI date, and visualize how close you are to reaching your FIRE number.
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Safe Withdrawal Rate Calculator
Test different withdrawal rates, portfolio sizes, spending levels, and retirement horizons to evaluate how sustainable your retirement income strategy may be.
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Net Worth Tracker
Calculate, track, and visualize your net worth across assets, investments, real estate, savings, and liabilities. Monitor your financial progress and long-term wealth growth.
Understand the FIRE movement
The vocabulary of financial independence, in plain language.
Financial Independence
Reaching a point where investment income covers your living expenses, so working becomes optional.
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FIRE
Financial Independence, Retire Early. A movement focused on aggressive saving and investing to retire decades earlier than traditional.
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Coast FIRE
Your invested portfolio is large enough that, with no further contributions, compounding alone gets you to FI by your target age.
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Lean FIRE
FI built around an intentionally minimalist lifestyle and lower annual spending — typically under $40k per year.
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Fat FIRE
A more abundant version of FI with significant discretionary spending, travel, and lifestyle flexibility.
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Barista FIRE
Semi-retirement where part-time work or a passion job covers part of your expenses while your portfolio handles the rest.
Read guide
What you can do with Freedom OS
Calculate Your Freedom Number
Pinpoint the portfolio size you need to fund your lifestyle indefinitely.
Track Your Progress
Measure how close you are to financial independence each year.
Compare FIRE Strategies
Weigh Lean, Fat, Coast, and Barista FIRE side by side.
Project Future Wealth
Model decades of compound growth, contributions, and withdrawals.
Frequently asked questions
What is Freedom OS?+
Freedom OS is a free toolkit of FIRE calculators designed to help you plan financial independence, retirement, and long-term wealth building.
Are these calculators free to use?+
Yes. Every Freedom OS calculator is completely free. No sign-up, no paywall, no email required.
Is Freedom OS financial advice?+
No. Freedom OS is for educational and planning purposes only. It is not financial, investment, tax, or legal advice. Consult a qualified professional before making decisions.
What is a Freedom Number?+
Your Freedom Number is the portfolio size required for investment returns to fund your lifestyle indefinitely — commonly estimated as 25x your annual expenses.
What is the difference between Coast FIRE and traditional FIRE?+
Traditional FIRE requires saving until your portfolio fully funds your lifestyle. Coast FIRE only requires saving enough that compound growth alone will get you to FI by your target retirement age.