Free Financial Calculators & Tools
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.
- 100% free
- No sign-up
- No email required
- Works in your browser
FIRE & Retirement
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. For the years around that date — the car, the child, the year off — the net worth projection calculator maps a whole life, event by event.
FIRE Calculator
Plan your retirement number and project your path.
Net Worth Projection Calculator
Net worth and cash flow through every life event
Coast FIRE Calculator
Stop saving when compound interest can finish the job.
Barista FIRE Calculator
Downshift to part-time work — with healthcare costs built in.
How Long Will My Money Last Calculator
See how many years your savings cover your spending.
Investing
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. Test whether investing it all at once beats spreading it out across every start month in a fund's own history, look up every crash a stock or ETF has lived through, or see what your gain would be taxed in 29 countries.
Compound Interest Calculator
See how fees, inflation, and time shape your future.
ETF Overlap & Portfolio Analysis Tool
Check ETF overlap, risk and your true exposure.
Macro Graphs
Compare inflation, rates and growth across countries.
What-If Investment Calculator
See what $1,000 in Tesla or Bitcoin would be worth today.
Dividend Snowball Calculator
Watch reinvested dividends snowball into real income.
Lump Sum vs Dollar Cost Averaging Calculator
See how often investing it all at once beat spreading it out.
Stock Market Drawdown History Tool
Every crash a stock or ETF has lived through, and how long recovery took.
Capital Gains Tax by Country Comparison
See what 29 countries would tax on the same gain, ranked.
Debt & Housing
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.
Mortgage Calculator
Compare two mortgages and see lifetime cost.
Mortgage vs Investment Calculator
Pay off the mortgage early or invest the cash?
Rent vs Buy Calculator
Rent and invest, or buy? See the real breakeven year.
Debt Snowball vs Avalanche Calculator
Two payoff methods, one debt-free date — see which wins.
Net Worth
Know where you stand. Benchmark your wealth against your age group with the net worth percentile calculator, track it month to month with the manual net worth tracker, and keep learning on the blog.
Net Worth Percentile Calculator
See where you stack up by age and country.
Personal Finance Blog
Money guides, FIRE math, and data-driven deep dives.
Which calculator answers your question?
| Calculator | Question it answers | Key inputs |
|---|---|---|
| FIRE Calculator | When can I retire early, and how much do I need? | Portfolio, savings rate, returns |
| Net Worth Projection Calculator | What will my net worth and cash flow look like through every life event? | Age, net worth, spending, investing, life events |
| 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 |
| ETF Overlap & Portfolio Analysis Tool | Which stocks do my ETFs hold twice — and what's really inside them? | 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 |
| Lump Sum vs Dollar Cost Averaging Calculator | Invest it all at once, or spread it out? | Stock or ETF, amount, months to spread it over |
| Stock Market Drawdown History Tool | How far has this fallen before, and how long did recovery take? | Stock or ETF, your amount |
| Capital Gains Tax by Country Comparison | What would my gain be taxed in each country? | Buy price, sell price, holding period, currency |
| 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 |
Frequently Asked Questions
Are these financial calculators really free?
Do I need an account or email to use them?
Which FIRE calculator should I start with?
How accurate are the calculations?
Can I save my results?
Why are these calculators free?
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.