FIRE Path Simulator — Know When You're Actually Free

Not just "what will my money grow to?" — when are you actually free?

FIRE Path turns your numbers into a clear timeline to financial independence. Enter your age, balance, monthly contribution, expected return, inflation, and target spending — everything updates instantly.

• Your FIRE number — the portfolio that funds your lifestyle at your chosen withdrawal rate.
• Coast FIRE age — the age you could stop contributing and still retire on time.
• Financial-independence age — when work becomes optional, with years-to-freedom.
• Three market scenarios — cautious, base, and bullish returns side by side.
• Inflation toggle — see everything in today's dollars.
• The climb + the drawdown — a chart to your FIRE number, plus a 30-year retirement stress test that shows whether your money actually lasts.

Runs entirely in your browser — no logins, no spreadsheets, works offline. Open it on any device and start planning.

Educational, not financial advice. A simplified model; returns aren't guaranteed and it ignores taxes and fees.