Welcome to the Smart FIRE calculator
Input your lifestyle and investments to discover when you can retire!
Smart FIRE Calculator is a personal finance APP and a comprehensive financial freedom planning tool designed to help you take control of your retirement journey. Unlike traditional calculators that use oversimplified assumptions, Smart FIRE accounts for real-world factors such as inflation, adjusted cost of living, market crises, varying tax rates across assets, and your desired legacy.
With a cynical approach, the most important variables of its algorithm are your life expectancy and your ideal lifestyle during retirement.
FIRE stands for “Financial Independence, Retire Early.” It’s a movement focused on aggressive saving and investing to accumulate enough wealth that you can live off your investment returns, giving you the freedom to retire decades earlier than traditional retirement age.
The calculator simulates your financial future year by year. It determines you can retire when your accumulated capital can sustain your retirement expenses (adjusted for inflation) for the rest of your life, while maintaining your emergency fund and inheritance goal, even accounting for future market crises.
Yes. Your financial data is stored securely in your personal account and is never shared. Only you can access your information.
Yes. Smart FIRE Calculator is a Progressive Web App (PWA), which means you can install it on your phone or desktop and use core features even without an internet connection.
In myth, the phoenix is the “burns, dies, and comes back” archetype: fire, self-destruction, rebirth, and a kind of immortality through renewal. The important nuance is that it’s not “invincible”; it’s persistent.
This symbol is what I found the most fitting because it is not about never falling, it is about designing for falling, and returning with intent. That is exactly what a good personal financial strategy is.
A good FIRE tool, like the Phoenix, should embody four things: fire, death, rebirth, and the refusal to be fooled.
Do you want to be strong like Phoenix? Use this FIRE tool, and you may learn his famous “Phantom Demon” strike!
Yes absolutely! All suggestions are welcome: write an email to alanrooster@gmail.com, being as detailed as possible by also explaining why the calculator should include it.
Changelog
0.53 Beta – March 2026 – Minor update: small fixes; added 2 new cards in the dashboard, added few more fixed categories in current expenses and retirement expenses.
0.52 Beta – February 2026 – Added the automated allocation option in the portfolio tab from the positive difference between the income vs expenses result.
0.51 Beta – January 2026 – Fixed a bug in the input field in the settings page where it was prevented from smoothly correcting the value, and on the settings page, added an option to change between % of total portfolio and a fixed amount for the emergency fund/inheritance
0.50 Beta – December 2025 – The web app has all the necessary functionalities to run a full simulation within the core concept.