UntilFire

Plan your path to financial independence with a free FIRE calculator that estimates when work can become optional based on your income, spending, savings, and investments. UntilFire helps individuals pursuing Financial Independence, Retire Early (FIRE) understand how today's financial decisions affect tomorrow's freedom.

Calculate Your Financial Independence Timeline

Enter your financial information and instantly estimate your FIRE number, expected retirement date, and the changes that can help you reach financial independence sooner.

Whether you're just starting your FIRE journey or actively tracking your progress, UntilFire provides practical insights that go beyond a simple retirement calculator.

Key Features

FIRE Calculator

Estimate how much wealth you need to achieve financial independence.

Calculate your:

• FIRE number
• Investment target
• Annual spending
• Portfolio goal
• Financial independence timeline

using widely accepted FIRE principles.

Financial Freedom Date

See when you could stop depending on a regular paycheck.

Project your timeline using:

• Income
• Savings rate
• Current net worth
• Annual expenses
• Investment growth

to estimate your freedom date.

Personalized Next Steps

Identify the financial change with the biggest impact.

Receive guidance on whether to:

• Save more
• Reduce spending
• Increase income
• Improve investment contributions
• Adjust financial habits

to reach FIRE faster.

Scenario Planning

Explore how different financial decisions affect your future.

Compare scenarios using interactive controls for:

• Income changes
• Spending adjustments
• Savings rates
• Investment growth
• Retirement timing

before making financial decisions.

Cost-of-Living Comparisons

Estimate financial independence based on where you plan to live.

Compare FIRE goals using:

• City-based living costs
• Regional expenses
• Location comparisons
• Lifestyle adjustments
• Retirement planning

across hundreds of cities.

Progress Tracking

Monitor your journey toward financial independence over time.

Paid features include:

• Bank synchronization
• Brokerage connections
• Progress reports
• Action plans
• Investment tracking

for ongoing financial planning.

Built for the FIRE Community

UntilFire helps people pursuing financial independence understand their retirement timeline, evaluate trade-offs, and make smarter financial decisions with practical, data-driven planning tools.

Key benefits include:

• Free FIRE calculator
• Financial independence planning
• Retirement timeline estimation
• Scenario modeling
• Progress tracking

Built For

• FIRE Enthusiasts
• Investors
• Financial Planners
• Early Retirement Seekers
• Young Professionals
• Long-Term Savers

Common Use Cases

• FIRE planning
• Early retirement calculations
• Financial independence tracking
• Savings strategy planning
• Retirement scenario analysis
• Investment goal setting

Why It Matters

Many retirement calculators provide a single target number without explaining how everyday financial decisions affect the journey to financial independence. UntilFire goes further by estimating your FIRE number, projecting your financial freedom date, highlighting the most effective next action, and allowing you to model different scenarios based on income, spending, savings, and location. This gives users a clearer understanding of the trade-offs that can accelerate or delay their path to early retirement.

Plan Your Journey to Financial Independence

Calculate your FIRE number, estimate your financial freedom date, compare retirement scenarios, and discover the next financial move that can help you reach early retirement sooner.