Free FIRE & expat-finance calculators

The math we use, open to everyone.

Each calculator below uses the same formulas that drive fjordFIRE’s monthly check-ins, pared down to a single page with sensible defaults. The full versions inside fjordFIRE run on richer inputs: 160+ currencies, 170+ countries, and household-level data. These are deliberately smaller. No bank logins, no sign-up wall, no “enter your email to see the answer.”

Can I retire?

How far the number is, and what it takes to get there.

FIRE Number

Your financial-independence number, with real-return math.

Region-aware safe withdrawal rate, Fisher-equation conversion from nominal to real return, closed-form years-to-FI. Coast FI checkpoint included.

16 regional defaultsFisher real-rateCoast FI included

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Coast FI

The moment you can stop saving.

Find the portfolio size today that would compound to your full FI number by your target age, even if you never save another dollar.

Regional defaultsAdjustable target ageGap-to-goal view

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Am I safe?

How much runway you have if income stops, in the currencies you spend.

Emergency Fund Runway

Multi-currency essential expenses, real liquid runway.

Rent in NOK, family support in INR, insurance in EUR. Sum it correctly. Status bands match fjordFIRE's Protect pillar.

Multi-currency expense linesDaily ECB FXTime-to-target

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Can I move?

What your money carries in another country, and what crossing currencies costs.

Relocation Runway

How long would your money last if you moved abroad?

67 supported countries. World Bank PPP for cost of living, daily ECB rates for FX. The differentiated calculator on the internet for this question.

67 countriesWorld Bank PPPMulti-currency input

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Currency Conversion Cost

What your bank really takes on an FX transfer.

Daily mid-market rate vs. your provider's offered rate, plus fee. See the percentage you lose and the annualised cost if it's recurring.

Daily ECB mid-marketSpread + fee splitAnnualised projection

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Norway Exit Tax

What leaving Norway costs on your unrealised gains.

Norway taxes unrealised share gains above a kr 3M per-person deduction when you cease residency. Estimate the one-time cost and the 12-year payment options.

kr 3M per-person deduction2025 rules12-year installments

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Am I progressing?

Whether the line is moving because you saved, or because the world rearranged itself.

Savings Rate (FX-aware)

Your real savings rate, not the misleading proxy.

Separates real saving (income − spending) from market returns and FX movement. Reveals how multi-currency lives distort the headline number every FIRE blog quotes.

3-way decompositionGap-driver detectionNo estimation needed

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More calculators coming as we build them. Want one we haven’t shipped? Tell us when you join the waitlist.