Free FIRE calculator · Net worth and retirement accounts together
A FIRE tracker app that connects today’s wealth to your freedom date
Track your FIRE number, invested assets, pensions, savings rate, and progress toward financial independence. Adjust returns, inflation, taxes, and withdrawal assumptions instead of relying on one fixed multiple.
Planning estimates only—not financial, tax, or investment advice.
Financial independence progress
42%
FIRE number
EUR 1,000,000
Estimated FI age
47
Savings rate
38%
Withdrawal assumption
3.5%
Illustrative values. Your result changes with the inputs and assumptions you choose.
The complete progress view
The metrics a FIRE tracker should keep together
Current net worth is only the starting point. A useful tracker connects the balance sheet to spending, access ages, and planning assumptions.
FIRE number
Estimate the invested assets needed from planned annual spending and a withdrawal rate you control.
Progress percentage
Compare eligible invested assets with the target rather than treating every asset as equally spendable.
Estimated FIRE date
Project a possible age and year based on savings, growth, inflation, and tax assumptions.
Accessible versus pension assets
Separate money available before retirement-account access ages from pensions and other restricted savings.
Savings rate
See how changes in annual income, spending, and contributions affect the projected timeline.
Multiple currencies
Keep international accounts in their native currencies while planning in one chosen base currency.
Choose the right tool
Calculator, spreadsheet, or FIRE tracker app?
How to use it
Build a projection you can review
1. Add accessible and retirement assets
Include taxable investments, ISAs, brokerage accounts, pensions, 401(k)s, IRAs, and other relevant assets without confusing access dates.
2. Enter spending and savings
Use realistic annual spending and contributions. Your savings rate is one of the biggest controllable inputs.
3. Stress-test assumptions
Try lower returns, higher inflation, different retirement spending, and a more conservative withdrawal rate.
4. Review after real changes
Update after major income, spending, location, family, tax, or portfolio changes—not just when markets rise.
FIRE tracker questions
What should count toward my FIRE number?
Typically, count invested assets intended to fund retirement. Treat home equity, emergency cash, age-restricted pensions, and illiquid assets according to whether and when they can actually support spending.
Can I change the 4% rule?
Yes. The classic rule is a starting assumption, not a universal answer. Use a withdrawal rate appropriate to the expected retirement length, asset allocation, flexibility, taxes, and risk tolerance.
Does this work for expats?
PopaDex supports planning across multiple currencies. Expats should also model taxes, pension access, healthcare, and expected retirement-country spending separately.
Turn the FIRE number into a progress system
Start with the free calculator, save your financial picture, and update the assumptions as your life changes.