My Financial Freedom Tracker offers free financial calculators and tools — FIRE planning, compound interest, mortgages, rent vs buy, net worth, and cross-country macro graphs. No sign-up, no email, no paywall.
Work out when you can retire early — and exactly what it takes to get there. Find your FIRE number with the FIRE calculator, see when compounding alone can finish the job with the Coast FIRE calculator, or model a part-time glide path with the Barista FIRE calculator. Already drawing down? Check how long your money will last at your current spending.
Plan your retirement number and project your path.
Stop saving when compound interest can finish the job.
Downshift to part-time work — with healthcare costs built in.
See how many years your savings cover your spending.
See what your money can do over decades. Project growth with the compound interest calculator, x-ray your real ETF allocation with the free ETF portfolio analyzer, compare any two funds head-to-head with the ETF overlap calculator, or zoom out to inflation, interest rates and house prices across countries with the free macro graphs tool. Curious how a past bet would have turned out? See what $1,000 invested in a stock back then would be worth today, or turn holdings into income with the dividend snowball calculator.
See how fees, inflation, and time shape your future.
Compare ETFs by risk, return, and overlap.
Compare inflation, rates and growth across countries.
See what $1,000 in Tesla or Bitcoin would be worth today.
Watch reinvested dividends snowball into real income.
Get the full picture of your biggest debt. Compare loans and overpayments with the free mortgage calculator, settle the pay-off-early vs invest question with the mortgage vs investment calculator, or decide whether to rent or buy in the first place with the rent vs buy calculator. If credit cards and loans come first, plan the payoff with the debt snowball vs avalanche calculator.
Compare two mortgages and see lifetime cost.
Pay off the mortgage early or invest the cash?
Rent and invest, or buy? See the real breakeven year.
Two payoff methods, one debt-free date — see which wins.
Know where you stand. Benchmark your wealth against your age group with the net worth percentile calculator, track it month to month with the free manual net worth tracker, and keep learning on the blog.
See where you stack up by age and country.
Money guides, FIRE math, and data-driven deep dives.
| Calculator | Question it answers | Key inputs |
|---|---|---|
| FIRE Calculator | When can I retire early, and how much do I need? | Portfolio, savings rate, returns |
| Coast FIRE Calculator | When can I stop saving for retirement? | Age, portfolio, target spending |
| Barista FIRE Calculator | When can I afford to go part-time? | Expenses, part-time income, portfolio |
| How Long Will My Money Last Calculator | How long will my savings last? | Age, savings, monthly spending, expected return |
| Compound Interest Calculator | What will my investments be worth over time? | Deposit, contributions, return, fees |
| Portfolio Analysis Tool | What's actually inside my ETF portfolio? | Tickers and weights |
| What-If Investment Calculator | What would my money be worth if I had invested it back then? | Ticker, amount, start date |
| Dividend Snowball Calculator | How much dividend income can I build? | Ticker or yield, amount, monthly contribution, years |
| Mortgage Calculator | What does my mortgage really cost? | Loan amount, rate, term, overpayments |
| Mortgage vs Investment Calculator | Pay off the mortgage early or invest? | Mortgage rate, market return, inflation |
| Rent vs Buy Calculator | Should I rent or buy — and when does buying win? | Home price, rent, down payment, return, inflation |
| Debt Snowball vs Avalanche Calculator | Snowball or avalanche — when am I debt-free? | Balances, rates, minimum payments, extra payment |
| Net Worth Percentile Calculator | How does my net worth compare to my peers? | Net worth, age, country |
My Financial Freedom Tracker is built by a developer on his own FIRE journey, and the calculators run on the same engines as the app. Keeping them free, with no sign-up, is the best demo of what the full app can do — if a tool helps you, you might stick around for budgeting, net worth tracking, and the complete FIRE planner.