How much you need
How much do I need, and when?
Calculators for the number you need to stop work and the age you reach it: Coast, Barista, Lean, Chubby and Fat FIRE, retiring in your 50s or at 60, and the Canada, Singapore and UK pension systems.
Start here
FIRE calculatorIt gives your number and the age you reach it. Start with Coast FIRE instead if you only want to know whether you can stop adding to your savings.
Not in the US? Jump to the pages for other countries.
In the US
- Coast FIRE calculator
Whether what you have already grows to your number without adding more.
- FIRE calculator
Your number and the age you reach it if you cover everything yourself.
- Freedom years
How many years of the life you chose your money could already pay for.
- Career break calculator
What a break of a few months or a year costs in freedom years, and whether your savings cover it.
- Cost of raising a child
What a child's costs add up to in freedom years, the heaviest year, and how much later you reach your number.
- 529 calculator
The monthly saving that reaches your college goal, the IRS rules, and what it does to the date you reach your number.
- Childcare cost calculator
What the childcare years cost after the federal tax help, and how much later you reach your number.
- Barista FIRE
The smaller number when part-time work pays some of the bills.
- Lean FIRE
The number for a pared-back budget.
- Chubby FIRE
The number for a comfortable budget.
- Fat FIRE
The number for a generous budget.
- Retire at 50
The gap or surplus if you stop at that age, and the bridge to 59½.
- Retire at 55
The gap or surplus if you stop at that age, and the Rule of 55.
- Can I retire at 60
The gap or surplus if you stop at that age, and the years to Social Security and Medicare.
- Roth IRA calculator
What a Roth IRA grows to by the age you stop.
- IRA calculator
What a traditional IRA grows to, before and after tax.
Outside the US
- CPP and OAS calculator (Canada)
The pot you need to stop work when CPP and OAS start later, in Canadian dollars.
- CPF FIRE planner (Singapore)
The age money outside CPF could carry you to your CPF LIFE payouts, in Singapore dollars.
- SRS calculator (Singapore)
The income tax an SRS contribution saves, what is locked until the retirement age, the tax on spreading it over ten years, and the SRS against saving elsewhere, in Singapore dollars.
- CPF top-up calculator (Singapore)
The income tax a CPF cash top-up saves, what it costs after that tax, and what it does to your Retirement Account at 55 and the CPF LIFE payouts CPF publishes, in Singapore dollars.
- CPF LIFE calculator (Singapore)
Your monthly CPF LIFE payout from CPF's own estimates, and the money outside CPF that bridges to it, in Singapore dollars.
- CPF calculator (Singapore)
What goes into your CPF each month from your salary and age, where it goes and what the accounts hold at 55, in Singapore dollars.
- Retire early in Singapore
The pot you need to stop work at an age before CPF pays, in three parts, in Singapore dollars.
- CPF retirement sums (Singapore)
The Basic, Full and Enhanced Retirement Sum for the year you turn 55, what each pays from CPF LIFE and what happens to your savings at 55, in Singapore dollars.
- CPF withdrawal at 55 (Singapore)
What moves into your Retirement Account at 55, what you can withdraw with and without a property pledge, and what stays until your payouts, in Singapore dollars.
- Cost of raising a child (Singapore)
Your costs by stage less the SG Child Support Package, tax reliefs and child accounts, and what a child does to your FIRE date, in Singapore dollars.
- State Pension calculator (UK)
The State Pension a week from your qualifying years, the age it starts and what it takes off the pot you need, in pounds.
- Early retirement calculator (UK)
The pot to stop work before State Pension age in three parts: the ISA bridge, the pension years and the State Pension years, in pounds.
- Pension drawdown calculator (UK)
How long a pension pot lasts at the income you want after tax, with the tax-free part, income tax and the State Pension, in pounds.
- Pension tax relief calculator (UK)
What a pension contribution costs you after tax relief: what your provider adds, what you claim back at the higher and additional rates, and the net cost, in pounds.
- ISA or pension (UK)
The same pay set aside in an ISA and in a pension: the yearly income each gives after tax, side by side, and the years before the pension can be reached that only the ISA can pay.
- OAS calculator (Canada)
OAS by the age you start it, the recovery tax on your income and what waiting changes, in Canadian dollars.
- RRSP to RRIF calculator (Canada)
The minimum a RRIF must pay each year from the age you open it, and the OAS clawback it can cause, in Canadian dollars.
- TFSA or RRSP (Canada)
The same pay set aside in a TFSA and in an RRSP: the yearly income each gives after tax at the rate you expect in retirement, how RRSP withdrawals are taxed and withheld, and the years before CPP and OAS.
- Early retirement calculator (Canada)
The pot to stop work before CPP and OAS in three parts: the TFSA bridge, the RRSP years and the RRIF years, in Canadian dollars.
- PRS calculator (Malaysia)
The income tax a Private Retirement Scheme contribution saves, what is locked until 55, and the PRS against saving elsewhere, in ringgit.
- Retirement tax reliefs (Malaysia)
The LHDN reliefs that touch retirement saving in one table, and what a relief is worth at each tax band, in ringgit.
- Retirement calculator (Malaysia)
The pot you need to stop work in ringgit, how much of it your EPF and PRS cover, and what your own savings outside them must hold.
- EPF calculator (Malaysia)
Your EPF balance at 55 and at 60 in ringgit, how new contributions are split between the three accounts, and what stopping work early costs it.
- Early retirement calculator (Malaysia)
The earliest age you could stop work in ringgit, the bridge to when your EPF and PRS open, and the PRS relief while you save.
Sources: IRC §72(t)(2)(A)(i); IRC §72(t)(2)(A)(v).