Financial Calculators
Our deterministic calculators provide the baseline math for your financial independence journey. They focus on the three pillars: Freedom, Growth, and Friction.
FIRE Freedom Calculator
The FIRE (Financial Independence, Retire Early) calculator determines your "Freedom Number"—the amount of capital needed to sustain your lifestyle without mandatory work.
Safe Withdrawal Rate (SWR): Based on the Trinity Study, a 4% withdrawal rate is the historical gold standard for portfolio longevity.
The 25x Rule: Your FIRE number is typically 25x your annual expenses.
Compound Interest Calculator
Visualize the power of time and consistent contributions. This tool highlights the "Tipping Point"—where your interest earned starts exceeding your monthly contributions.
"Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it." — Albert Einstein
ETF Fee Impact Calculator
Fees are the silent wealth killer. A seemingly small 0.75% fee can consume up to 20% of your total terminal wealth over 30 years because those dollars never get to compound.
Pro Tip:
Always aim for broad-market ETFs with an expense ratio below 0.10%.
Why Deterministic?
Standard calculators often hide their assumptions. Our calculators expose the variables (inflation, SWR, return rates) so you can stress-test your plan under different economic regimes.