RICH2FIRE TOOLS
Tools for clearer choices
on your FIRE path.
Practical calculators and check-ins for seeing trade-offs, testing assumptions and building more freedom with less guesswork. No account required.
TWO MAINLINES · NO REQUIRED ORDER
Start with the question you have today.
Choose a FIRE direction, or revisit how an existing direction fits your life now. Both tools are for anyone, and neither gives you a pass-or-fail score.
CHOOSE A DIRECTION
Five FIRE Paths Calculator
Compare Lean, Traditional, Fat, Coast and Barista FIRE with one spending baseline and withdrawal-rate choice.
Compare five FIRE paths
REVISIT THE FIT
FIRE Calibration
Gently review your numbers, capacity, meaning and resilience as four separate signals, then choose a small next step only if it helps.
Calibrate my current plan
Build your FIRE foundation
After choosing a direction or calibrating an existing plan, use a specialist tool to examine one assumption more deeply.
Fixed Cost Freedom Calculator
See how removing a recurring cost can lower your FIRE target and bring financial independence closer.
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Independent Income Freedom Calculator
See how a reliable income stream can lower your FIRE target and create a practical semi-FIRE path.
Open tool →FIRE Resilience Stress Test
See how a FIRE plan responds to an early market fall, higher costs and interrupted income.
Open tool →Plan portfolios and retirement
Test allocations, future assumptions and the transition from saving to withdrawals.
Portfolio Backtest
Compare five well-known portfolios by return, volatility, Sharpe ratio and maximum drawdown — not one line alone.
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Custom Portfolio Backtest
Set your own stock, bond, gold and commodity weights, then examine return, volatility and drawdown in one shared history.
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Custom Portfolio Forecast
Set your own assets, assumptions and time horizon, then explore a future scenario in nominal and today’s dollars.
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Retirement Lifecycle Calculator
Join FIRE accumulation and retirement withdrawals in one plan, from today’s savings to the estate you want to leave.
Open tool →Understand investments
Explore company value, market expectations and option payoff boundaries.
Company DCF Calculator
Compare bull, base and bear cash-flow paths, then estimate enterprise value and fair value per share.
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Reverse DCF Calculator
Work backward from today’s stock price to the bull, base and bear cash-flow growth paths required to justify it.
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Options Payoff Calculator
Compare Buy Call, Sell Call, Buy Put and Sell Put with a visual at-expiration profit-and-loss curve.
Open tool →Compare costs and tax paths
Make the long-term effect of vehicles, countries and tax timing easier to see.
Car Total Cost of Ownership
See the annual and total cost of depreciation, financing, parking, energy, tax, insurance and maintenance.
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Netherlands vs Belgium FIRE Tax Comparison
Compare two simplified portfolio paths as annual taxation and realised-gain taxation change the cash-out timeline.
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Global FIRE Tax Comparison
Select up to five countries and compare simplified portfolio tax paths using one set of FIRE assumptions.
Open tool →Protect calm and capacity
Use short planning tools for difficult markets, low-energy days and a more sustainable weekly rhythm.
Market Calm Card
Write a calmer response to a market fall using your cash bridge and a planned review date.
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Freedom Rhythm Check-in
Make one thing lighter, protect a little unscheduled time and choose a form of real restoration.
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Low-Energy Day Planner
Make a kind, realistic plan when capacity is low: one essential action, one protected pause and permission to stop.
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