# Rich2Fire

> Rich2Fire publishes free educational tools and practical guides about financial independence, FIRE planning, long-term investing, lower fixed costs, independent income and resilient living.

Important: Rich2Fire content is educational, not personal investment, tax, legal, medical or retirement advice. Tool assumptions, version dates, limitations and linked primary sources should be preserved when summarizing results.

## Canonical resources

- [Tools](https://rich2fire.com/tools): Index of public interactive tools.
- [Tool methodology registry](https://rich2fire.com/tools/methodology): Model classes, versions, review dates, freshness and decision sensitivity.
- [Tool changelog](https://rich2fire.com/tools/changelog): Material model, policy and transparency changes, including result impact.
- [Machine-readable tool evidence](https://rich2fire.com/tools/evidence.json): JSON evidence records for every public tool.
- [Editorial principles](https://rich2fire.com/principles): Assumption, correction and commercial-independence standards.
- [Privacy and optional Calibration research](https://rich2fire.com/privacy#fire-calibration-research): Local plan saving does not submit research data; an optional contribution is a separate, explicit, one-time choice with a narrow data dictionary.
- [FIRE Calibration research insights](https://rich2fire.com/research/fire-calibration-insights): Honest collection status and real one-dimensional patterns only after the complete distribution clears the public privacy thresholds.
- [Machine-readable Calibration aggregates](https://rich2fire.com/research/fire-calibration-insights.json): Status-aware JSON that never exposes exact totals below 100 or sparse category distributions.
- [Articles](https://rich2fire.com/articles): English practical guides.
- [Chinese articles](https://rich2fire.com/zh/articles): Chinese practical guides.
- [Sitemap](https://rich2fire.com/sitemap.xml): Canonical indexable URLs and language alternates.

## Public tools

- [FIRE Calibration](https://rich2fire.com/tools/fire-calibration): A gentle, local-first reflection for reviewing whether a FIRE plan still fits across numbers, capacity, meaning and resilience without a pass-or-fail score. Model version 1.0; reviewed 2026-10-12.
- [Fixed Cost Freedom Calculator](https://rich2fire.com/tools/fixed-cost-freedom-calculator): Shows how removing one recurring cost can lower a FIRE target and, optionally, add investable monthly cash flow. Model version 1.1; reviewed 2026-10-10.
- [Independent Income Freedom Calculator](https://rich2fire.com/tools/independent-income-freedom-calculator): Compares full FIRE with a semi-FIRE path supported by a user-entered independent income stream. Model version 1.0; reviewed 2026-10-10.
- [Five FIRE Paths Calculator](https://rich2fire.com/tools/five-fire-paths-calculator): Compares Lean, Traditional, Fat, Coast and Barista FIRE using one transparent set of spending, return and withdrawal assumptions. Model version 1.1; reviewed 2026-10-10.
- [FIRE Resilience Stress Test](https://rich2fire.com/tools/fire-resilience-stress-test): Tests a simplified FIRE plan against an early market fall, higher costs and interrupted flexible income. Model version 1.0; reviewed 2026-10-10.
- [Retirement Lifecycle Calculator](https://rich2fire.com/tools/retirement-lifecycle-calculator): Connects accumulation and retirement withdrawals in one year-by-year lifecycle scenario with inflation, income, tax and estate inputs. Model version 1.1; reviewed 2026-10-10.
- [Portfolio Backtest](https://rich2fire.com/tools/portfolio-trade-off-backtest): Compares five published portfolio recipes over one shared historical window using return, volatility, Sharpe ratio and drawdown. Model version 1.0; reviewed 2026-10-10.
- [Custom Portfolio Backtest](https://rich2fire.com/tools/custom-portfolio-backtest): Replays a user-built allocation against fixed historical proxy returns and exposes return, volatility and drawdown trade-offs. Model version 1.0; reviewed 2026-10-10.
- [Custom Portfolio Forecast](https://rich2fire.com/tools/custom-portfolio-forecast): Builds one deterministic path from user-entered returns, contributions, withdrawals, rebalancing and inflation assumptions. Model version 1.0; reviewed 2026-10-10.
- [Company DCF Calculator](https://rich2fire.com/tools/company-dcf-calculator): Estimates bull, base and bear equity values from a ten-year free-cash-flow forecast and Gordon-growth terminal value. Model version 1.0; reviewed 2026-10-10.
- [Reverse DCF Calculator](https://rich2fire.com/tools/reverse-dcf-calculator): Solves for the free-cash-flow growth paths needed to reconcile a user-entered share price with a simplified DCF. Model version 1.0; reviewed 2026-10-10.
- [Options Payoff Calculator](https://rich2fire.com/tools/options-payoff-calculator): Calculates the expiration profit or loss of one standard 100-share call or put contract from user-entered terms. Model version 1.0; reviewed 2026-10-10.
- [Car Total Cost of Ownership](https://rich2fire.com/tools/car-total-cost-of-ownership): Estimates vehicle ownership cost across depreciation, financing, energy, tax, insurance, parking and maintenance. Model version 1.0; reviewed 2026-10-10.
- [Netherlands vs Belgium FIRE Tax Comparison](https://rich2fire.com/tools/geographic-cash-out-tax-comparison): Compares simplified Netherlands and Belgium FIRE portfolio paths while making the policy date and omitted rules explicit. Model version 1.0; reviewed 2026-10-10.
- [Global FIRE Tax Comparison](https://rich2fire.com/tools/global-fire-tax-comparison): Compares simplified portfolio-tax presets across countries to identify policy questions that require current local verification. Model version 1.0; reviewed 2026-10-10.
- [Market Calm Card](https://rich2fire.com/tools/market-calm-card): Creates a written pause plan for market drawdowns using near-term cash needs and a scheduled review date. Model version 1.0; reviewed 2026-10-10.
- [Freedom Rhythm Check-in](https://rich2fire.com/tools/freedom-rhythm-check-in): A short reflection prompt for reducing one pressure, protecting unscheduled time and choosing genuine recovery. Model version 1.0; reviewed 2026-10-10.
- [Low-Energy Day Planner](https://rich2fire.com/tools/low-energy-day-planner): A non-medical planning prompt for choosing one essential action, one protected pause and a stopping boundary. Model version 1.0; reviewed 2026-10-10.

## Core FIRE planning guides

- [When should you recalibrate your FIRE plan?](https://rich2fire.com/articles/when-to-recalibrate-your-fire-plan): A four-signal framework for deciding whether to keep a plan, adjust one assumption, run a small experiment or pause.
- [什么时候应该重新校准 FIRE 计划？](https://rich2fire.com/zh/articles/when-to-recalibrate-your-fire-plan): 用数字、生活承载力、意义与韧性四个独立信号判断计划是否仍然合身。
- [When should you change your FIRE path?](https://rich2fire.com/articles/when-to-change-your-fire-path): Distinguishes a path change from routine recalibration, portfolio rebalancing and a temporary difficult season.
- [什么时候应该改变 FIRE 路径？](https://rich2fire.com/zh/articles/when-to-change-your-fire-path): 分清需要换路径、调整参数、再平衡投资组合或暂时不做决定的不同情况。

## Reuse and citation

Quote the model version and review date when citing a tool. Link to the canonical tool page, not an iframe URL. For a calculation based on specific inputs, preserve the reproducible result URL or exported report. Three attributed calculators are available for publishers at https://rich2fire.com/embed.