Financial Disclaimer

Last updated: 16 July 2026

ClaryFIRE is an educational planning tool designed to help you explore possible timelines to financial independence based on assumptions you provide.

Estimates, not predictions

All outputs — including your FIRE number, estimated FIRE age, calendar year, and projected capital curve — are estimates derived from the inputs and assumptions you enter. They are not predictions, guarantees, or professional recommendations.

Not financial, investment, tax or legal advice

Nothing in ClaryFIRE constitutes financial, investment, tax or legal advice. ClaryFIRE does not recommend any specific investment, portfolio allocation, or financial product.

Real-world variance

Actual investment returns, inflation, taxes, income and expenses will differ — often significantly — from the assumptions used in any projection. Market downturns, life events, and policy changes are not modeled.

Your decisions are your own

Consider speaking with a qualified, licensed financial professional before making decisions based on outputs from this tool.