Calculate my FIRE date

Know your FIRE date.
Understand how to move it.

ClaryFIRE turns your income, expenses, savings and investments into a clear, honest financial-independence timeline — no account, no spreadsheet, no jargon.

Calculate my FIRE date See the Pro plan

Your FIRE calculator

Fill in a few numbers. Your result updates instantly and stays on your device — nothing is sent anywhere.

Advanced assumptions (return, inflation, withdrawal rate)
Default 7% reflects a diversified global equity assumption. Not a guarantee.
4% is a common starting assumption, not personal advice.

How it works

No account, no import, no waiting.

1

Enter your numbers

Income, expenses (or savings rate), and what you've already invested.

2

See your FIRE date instantly

A transparent, iterative projection — not a black box formula.

3

Learn what moves it

See the three variables with the biggest effect on your timeline.

An example result

A 32-year-old saving 35% of a €45,000 income, with €15,000 already invested:

Estimated FIRE age: 54 — around 2048.

At this savings rate and a 7% nominal return (2% inflation, 4% withdrawal rate), the FIRE number is reached in today's money.

FIRE number €731,250
Annual savings €15,750
Savings rate 35.0%
Time to FIRE 22y 0m

Lite vs Pro

Lite gives you a genuinely useful answer for free. Pro is for people who want to stress-test their plan and keep a polished record of it.

ClaryFIRE Lite

Free

  • Estimated FIRE number, age and date
  • Annual savings and savings rate
  • Simple projected capital curve
  • Plain-language explanation
  • Three most influential variables
  • Printable basic summary
Use Lite — it's free

ClaryFIRE Pro Coming soon

€9 one-shot, no subscription — not yet available

  • Best / base / worst case scenarios
  • Configurable inflation and withdrawal rate
  • Scenario comparison side by side
  • Annual projection table
  • "What changes my date?" sensitivity view
  • Polished PDF report + downloadable CSV
  • Saved scenario in your browser
Notify me when Pro launches

Transparent assumptions

Every number behind your result, explained plainly.

FIRE number Your annual expenses divided by your safe withdrawal rate (default 4%).
Real return Your expected investment return adjusted for inflation. Results are shown in today's money by default.
Monthly compounding The projection simulates your balance month by month — not a single formula — so it stays accurate for edge cases.
100-year cap If your target isn't reached within 100 years, we tell you honestly instead of guessing.

FAQ

Is this financial advice?

No. ClaryFIRE is an educational planning tool. It is not financial, investment, tax or legal advice. See our disclaimer below.

Do I need to create an account?

No. The Lite calculator works fully in your browser with no sign-up.

What happens to my data?

Your financial inputs stay in your browser. We don't transmit or store them unless you explicitly choose to save a Pro scenario locally. See our privacy policy.

Why isn't Pro a subscription?

We think a one-shot report is a fairer match for a planning tool you'll revisit occasionally, not daily.

Disclaimer

ClaryFIRE is an educational planning tool. Outputs are estimates based on the assumptions you enter. They are not financial, investment, tax or legal advice. Actual returns, inflation, taxes and life events will differ from any projection. Consider speaking with a qualified professional for decisions specific to your situation.

See your FIRE date in under two minutes.

Free, no account, and honest about what it doesn't know.

Calculate my FIRE date