Know exactly when you'll be free, and what to do about it.

ClaryFIRE turns your income, expenses, savings and investments into one clear financial freedom date, plus the specific changes that move it. No account, no spreadsheet, no guessing.

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.

Annual Monthly

Currency

Current age

Max age (optional)

Income (per year)

Expenses (per year)

Current invested capital

Advanced assumptions (return, inflation, withdrawal rate)

🔒 Fixed on Lite. Unlock configurable assumptions with ClaryFIRE Pro.

We assume you invest what you save, not just set it aside. See why below.

Expected nominal annual return (%) Default 7% reflects a diversified global equity assumption, like a broad index fund. Not a guarantee, and not investment advice.

Expected annual inflation (%)

Safe withdrawal rate (%) 4% is a common starting assumption, not personal advice.

ClaryFIRE

Your FIRE summary, generated

Your answer

Current age
Expenses
Income
Current capital
Assumptions

FIRE number

Annual savings

Savings rate

Years until Freedom

Projected capital FIRE number target Freedom point

Here's exactly what would move your date:

Glossary

FIRE number: The invested capital needed to cover your annual expenses at your safe withdrawal rate.
Real return: Your investment return after subtracting inflation, shown in today's money.
Safe withdrawal rate (SWR): The share of your capital you plan to withdraw each year once financially free.
Savings rate: The share of your income you save and invest each year.
Saving vs. investing: This report assumes your savings are invested (e.g. in a diversified index fund), not left as cash, and grow at the return rate shown.

See the Pro plan

We'll also email you a copy, so you always have it.

This is your plan. Keep it, revisit it, or come back and update it whenever your numbers change.

How it works

No account, no import, no waiting.

Enter your numbers

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

See your FIRE date instantly

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

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:

Your Freedom Date: 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

A clear first answer, completely free.

Free

Estimated FIRE number, age and date
Annual savings and savings rate
Simple projected capital curve
Plain-language explanation
Three most influential variables
Fixed return, inflation & withdrawal rate assumptions
Printable basic summary

Use Lite, it's free

ClaryFIRE Pro

Stress-test your plan, and know you're not missing anything.

€9 one-shot, no subscription

Configurable return, inflation & withdrawal rate
Best / base / worst case scenarios
"What if…" scenarios: 3 quick levers (save more, earn more, better return)
Unlocks instantly in the same calculator, no new account

Buy now for €9

Not ready to buy yet? Leave your email and we'll keep you posted, no pressure.

Transparent assumptions

Every number behind your result, explained plainly.

Saving vs. investing We assume every euro (or dollar) you save is actually invested, not left sitting in cash, and that it earns the return rate you set (default 7%, similar to a diversified index fund tracking something like the S&P 500). This is a simplifying assumption for both Lite and Pro, not a recommendation of where to invest. If your real savings sit uninvested, your actual timeline will be longer than shown here.

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 while you're using the calculator. We only transmit or store anything if you ask us to email you a copy of your report — in that case, we store your name, email, and result summary so we can send it. 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