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.
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 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.
See how fees, inflation, and time shape your future.
Compare ETFs by risk, return, and overlap.
Compare inflation, rates and growth across countries.
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.
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.
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 |
| 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 |
| 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 |
| 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.