The Toolkit

Free calculators to plan your path to financial independence.

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Featured Tool

Portfolio vs. VTI Calculator

Upload your brokerage CSV or enter trades manually. We replay every buy and sell as if the same dollars had gone into VTI on the same days — then show you the gap. The truth, in dollars and percentages.

CSV import Runs in your browser Per-symbol alpha Robinhood / Vanguard / Fidelity / Schwab
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Compound Interest Calculator

See the power of consistent investing. Default return rate based on VTI historical performance.

Future Value
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Contributed
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Growth

Coast FIRE Calculator

Coast FIRE is the point where you’ve invested enough already that compounding alone — with zero additional contributions — will grow your portfolio to your full FIRE number by your target retirement age.

Who it’s for: mid-career savers who front-loaded aggressively and want to know if they can throttle down contributions, take a lower-paying job they love, cut back to part-time, or take a career sabbatical — without derailing their retirement plan. Plug in your numbers below to see your Coast FIRE target.

Your Coast FIRE Number
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Coast FIRE assumes 10% average annual growth. Once your savings reach the Coast number, they will compound to your FIRE number by retirement age without additional contributions.

When Can I Retire?

Calculate your financial independence date using the 4% rule.

Time to Financial Independence
0 years

Based on the 4% safe withdrawal rate and 10% historical market returns. Actual results will vary based on market conditions, inflation, and individual circumstances.

Disclaimer: These calculators are for educational purposes only. They use simplified assumptions and historical averages. Actual investment results will vary. Consult a qualified financial advisor for personalized advice.