Free calculators for financial independence and early retirement. South African RA and TFSA specific. Works for global FIRE investors too.
See all calculatorsEverything you need to plan your path to financial independence
Calculate the total savings you need to retire early. Uses the 4% rule. See exactly how many years until you reach financial independence.
Calculate my FIRE number →Find out if you have already saved enough to coast to retirement without investing another cent. The most motivating milestone in FIRE.
Check my Coast FIRE →South African FIRE calculator with RA tax deductions and TFSA limits. See your monthly tax saving on RA contributions and true years to FIRE.
Calculate SA FIRE →Compare 3%, 3.5%, 4% and 5% withdrawal rates. See your monthly retirement income and how long your portfolio will last at each rate.
Compare withdrawal rates →Calculate your total net worth — assets minus liabilities. Track investable assets separately so you know exactly where you stand on the FIRE path.
Calculate my net worth →See your portfolio grow year by year with a full table. Understand why starting early is the most powerful move in building wealth.
See compound growth →See how dramatically your savings rate affects your years to FIRE. Compare rates from 10% to 70% and find your path to early retirement.
Calculate savings rate impact →Compare after-tax returns of South African RA, TFSA and taxable accounts over 10, 20 and 30 years. Know where to put your money first.
Compare account types →Built for South Africans — and FIRE investors everywhere
RA deductions, TFSA limits, rand inputs. The only FIRE calculators built for South African tax rules.
FIRE maths is universal. Non-SA investors can use any calculator with their own currency and return assumptions.
All calculations run in your browser. We never see or store your financial inputs.
Every calculator explains the maths behind it — so you understand your numbers, not just read them.