Free FIRE calculator & tracker
Find your FIRE number.
Watch it get closer.
Work out your FI number from what you really spend, add up every investment, savings account, crypto and gold in any currency, and see the age work becomes optional. Your progress updates every time your money moves.
free
Freedom number
Free at
Invested
Freedom days
Coast FI
🎯 FI number: 25 × $40,000
What you get
Your FI number
25× what you spend in a year, or set your own withdrawal rate.
Your freedom date
The age work becomes optional, and how each choice moves it.
Every investment, any currency
Brokerage, retirement, savings, crypto and gold in one total.
Free and private
No ads, no premium tier. Your data stays on your device.
FIRE calculator
Your FIRE number in 30 seconds
Tell it what you spend, what you've invested and what you add each month. You get your FI number, the age you could stop working, your Coast FI point and the days of freedom you've already bought.
Your currency
Rent, food, travel, everything. This sets your number.
Investments, retirement accounts, savings, crypto. Not your home.
Withdrawal rate 4% · return 5%
At 4%, your number is 25× a year of spending.
Every figure stays in today's money.
free
Your FI number
$1,000,000
Free at 56, in 23 years 10 months
Freedom days
547
Coast FI by 60
$255,094
Pays you
$3,333/mo
Your invested money by age, at a 5% real return
Free at 56. Slow and steady compounds: small changes to what you spend or invest move that date by years.
Your numbers come with you. No account needed.
The FIRE math, in plain words
- FIRE number (FI number)
- = Yearly spending ÷ safe withdrawal rate
- $40,000 a year at the 4% rule: $40,000 ÷ 0.04 = $1,000,000, or 25× your yearly spending.
- Coast FI number
- = FI number ÷ (1 + real return) ^ years until 60
- At 35 with a 5% real return: $1,000,000 ÷ 1.05²⁵ ≈ $295,000 invested today.
- Freedom days
- = Invested ÷ yearly spending × 365
- $100,000 invested and $40,000 a year of spending: about 912 days of freedom already bought.
- Progress to FI (% free)
- = Invested ÷ FI number
- $250,000 invested toward a $1,000,000 number: 25% free, a quarter of every year covered.
A simple model of how saving and time compound, not a forecast or financial advice. Returns are real (after inflation), so every figure is in today's money.
More than a calculator
Your FIRE number, kept up to date by your real money
A calculator gives you a number once. Ginkou keeps it true: your spending sets it, every account you hold counts toward it, and your freedom date moves the moment your money does.
What you hold
Index funds
✓ Counts toward freedom
$142,000
Retirement account
✓ Counts toward freedom
$61,500
ETFs in Lisbon
✓ Counts toward freedom
€18,400
$20,706$20,706 High-yield savings
✓ Counts toward freedom
$12,000
Bitcoin
✓ Counts toward freedom
0.15 BTC
$12,678$12,678 Gold coins
✓ Counts toward freedom
3 oz gold
$12,413$12,413 Home
Net worth only
$380,000
Car
Net worth only
$14,000
Toward freedom
of a $1,000,000 FI number · net worth
Your spending sets your number
Import a bank statement or log spending in three taps. Ginkou suggests your yearly spending from your last three months, so your number follows the life you actually live.
Every investment, every currency
Brokerage, retirement accounts, savings, crypto and gold, each kept in its own currency and added up in the one you choose, with fresh daily rates.
Only what can pay for your life
Your home and car count in your net worth, not in your freedom progress. You can't sell the kitchen to buy groceries.
A date that moves with you
Invest a little more or spend a little less and your freedom date updates right away, with your freedom days, Coast FI and progress beside it.
Milestones
Every step up buys back time
FIRE isn't one finish line years away. Each milestone covers more of every year with your own money, and Ginkou marks each one as you reach it.
Know your number
Most people never work it out. Once you do, every money choice has a price you can see: years of work, or years of freedom.
$40,000 a year → a $1,000,000 number
1% free
1% freeThe first percent is the slowest one. From here, compounding starts doing some of the work.
$10,000 invested · 4 days of every year covered
10% free
10% freeYour investments could cover more than a month of every year. A job loss is a setback, not an emergency.
$100,000 invested · 37 days of every year covered
A quarter free
25% freeThree months of every year paid for by your money. Growth starts adding more each year than you put in.
$250,000 invested · 91 days of every year covered
Coast FI
30% freeStop investing today and growth alone still gets you to your number by 60. For a 35-year-old at a 5% real return, that's about 30% of it.
$300,000 invested · 110 days of every year covered
Half free
50% freeHalf of every year covered. Part-time work, a sabbatical or a lower-paid job you love are real options now.
$500,000 invested · 183 days of every year covered
Financially independent
100% freeYour investments can pay for your life. Work becomes something you choose, not something you need.
$1,000,000 invested · every day of every year covered
Start
Know your number
Told with $40,000 a year of spending and the 4% rule.
Your FIRE counselor
Meet Kai. Retired at 38, surfing ever since.
A laid-back tortoise who thinks in decades, keeps your FI number, freedom date and freedom days in view, and talks to you the way you choose.
Kai
Tortoise“Slow and steady compounds.”
Retired at 38 and has surfed every morning since. Thinks in decades, smiles in minutes.
How Kai talks to you
“”
- Prices shown in freedom days, so a $900 phone reads as about 8 days of your future.
- Your savings rate matters more than your salary. Kai keeps an eye on it.
- Got a raise? Let your lifestyle grow slower than your income. That gap is freedom.
Questions
FIRE questions, honest answers
What is FIRE?
FIRE stands for Financial Independence, Retire Early. The idea: invest enough that the returns can pay for your life, so work becomes optional. Many people don't stop working at all; they just get to choose what they do and how much.
How is my FIRE number calculated?
Your FI number is your yearly spending divided by a safe withdrawal rate. At the classic 4% rule that's 25 times what you spend in a year: spend $40,000 and your number is $1,000,000. You can set the rate anywhere from 2.5% (more cautious) to 5%.
What is Coast FI?
The point where you've invested enough that, without adding another cent, growth alone gets you to your FI number by a traditional retirement age. Ginkou shows your Coast FI amount for age 60. After it, you only need to earn what you spend.
What return does the calculator assume?
A 5% real return by default, meaning after inflation, so every figure is in today's money. You can change it from 2% to 9%. It's a simple model to show how saving and time compound, not a forecast.
What counts toward my FI progress?
Investments, retirement accounts, savings, crypto and precious metals. Your home and car count in your net worth but not toward financial independence, because you can't live off them without selling them.
Can I track investments in different currencies?
Yes. Each account keeps its own currency, whether that's a dollar brokerage, a euro ETF account, Bitcoin or gold, and your progress adds up in the currency you choose, using fresh daily rates. It all works offline too.
Lean FIRE, Fat FIRE, Barista FIRE?
They're all the same math with a different yearly spending. Lean FIRE is a frugal budget, Fat FIRE a comfortable one, and Barista FIRE covers part of your spending with part-time work. Set the spending you want to live on and Ginkou works out that number.
Is Ginkou free? Is this financial advice?
It's free, with no ads and no premium tier, and your data stays on your device unless you choose to sync it. It isn't financial advice: Kai helps you see your own numbers and build habits, but for big decisions talk to a licensed professional.
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Every goal has its own free tool, and in Ginkou they all run on the same real accounts.
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- Save for a dreamSavings goal calculatorWhat to save each month for a trip, a home or a wedding.Try it free
Start buying back your time.
Free, private, and your FIRE number is ready in under three minutes.