firenum

firenum is a financial independence planner that runs entirely in your browser. There is no account and no signup, and nothing you enter is sent to a server.

The Fire Planner simulates your finances month by month: income, expenses, assets, debts and one-time life events such as a house purchase, a sabbatical or a child. It then tests the plan three ways: Monte Carlo simulation with success probability, historical backtesting against every period since 1871, and six stress scenarios including a market crash, job loss and high inflation. Retirement drawdown supports three withdrawal strategies, with Sankey cash-flow diagrams and portfolio survival heatmaps.

Eight focused calculators answer single questions: FIRE number, Coast FIRE, Barista FIRE, Lean and Fat FIRE, when you can retire, and how much to save.

9 currencies (USD, EUR, GBP, JPY, CAD, AUD, CHF, INR, NZD) with local formatting. CSV import/export and shareable snapshot links. Free, no ads.