FIREscape
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Plan your retirement, privately.

Free calculators for financial independence and historical portfolio backtesting. Every calculation runs in your browser — your numbers are never sent to a server.

Start with FIRE Run a backtest

Nothing leaves your browser

All maths runs client-side. We never see, store, or transmit your financial figures.

Real historical data

Backtests use actual annual returns going back to 1928, not simulated numbers.

Free, no account

No sign-up, no paywall, no email required to use any calculator.

Calculators

FIRE Calculator

Find out when you'll reach financial independence, based on your savings rate and the 4% rule.
Historical Backtest

Test a portfolio against real historical returns, now with Monte Carlo simulation and dynamic (Guyton-Klinger) withdrawal strategies.
Historical Returns

See the annualized and year-by-year return of any asset class over any period.

How it works

  1. 1

    Enter your numbers

    Age, savings, contributions, and what you expect to spend in retirement.

  2. 2

    See it projected

    Results and charts update as you type — no submit button, no waiting.

  3. 3

    Stress-test it

    Replay the same plan through real market history to see how it would have held up.

Frequently asked questions

What is FIRE?+
FIRE stands for Financial Independence, Retire Early. The idea is to save and invest aggressively until your portfolio can cover your living expenses indefinitely, making paid work optional.
What is the 4% rule?+
It's a rule of thumb from research on historical US market returns: if you withdraw 4% of your portfolio in the first year of retirement and adjust that amount for inflation each year after, the portfolio historically lasted at least 30 years in most periods. It implies a target of roughly 25x your annual spending.
Is my financial data sent anywhere?+
No. Every calculation runs in your browser using JavaScript. Your figures are never transmitted to a server, and we could not see them even if we wanted to.
Is this financial advice?+
No. These are general, non-personalised educational tools. They do not know your circumstances and cannot recommend what to do. Please consult a licensed adviser before making decisions.
FAQ →