All‑in‑One Budget & FIRE Calculator

Incomes & Expenses

Monthly Annual

Enter your net take‑home income and your planned expenses by category. Add or remove rows as needed.

Monthly Net Income ($)

Other Income ($/mo)

Category	Planned ($/mo)	Actual ($/mo)	Notes

Total Income

Total Expenses (Planned)

Does not include investments.

Total Investments (Planned)

Monthly amount set aside for investing.

Savings / Month

Savings Rate

Budget Wheel

Show Actual vs. Planned

See where your money goes. Hover for exact amounts; edit the table and this wheel updates live.

Cash Flow Bar Chart

Visualize your monthly cash in, out, and investing. Edit the table and chart updates live.

Quick Template

Templates scale to your income.

FIRE Planner

Current Portfolio ($)

How much you have invested now.

Monthly Invest ($)

How much you plan to invest each month.

Expected Annual Return (%)

Average yearly growth rate (after inflation).

Inflation Assumption (%)

How much you expect prices to rise per year.

Withdrawal Rate (%/yr)

Percent of portfolio withdrawn yearly in retirement.

Projection Horizon (yrs)

How many years to project into the future.

Annual Spend in Retirement ($)

How much you plan to spend per year after retiring.

FI Number = $0

Your FI Number is the portfolio size needed to retire safely.

Use my Budget's annual expenses as spend

Years to FI (est.)

—

How long until you reach financial independence.

FI Number

—

Portfolio needed to retire safely.

Withdrawal @ FI / yr

—

Annual withdrawal at FI (using your rate).

Ending Portfolio

—

Projected portfolio value at end of horizon.

Portfolio & Withdrawals Over Time

After you reach FI, contributions stop and annual withdrawals begin using your chosen withdrawal rate.

Yearly Portfolio Value Table

Summary

Annual Income

Annual Expenses (Planned)

Annual Savings

Savings Rate

Download Your Data

Export a backup JSON you can import later, plus your FIRE chart image.

Tips

Try the 50/30/20 template, then customize categories.
Link your budget to FIRE with the Use my Budget's expenses toggle.
Use Annual view to sanity‑check long‑term affordability.
Revisit your return and inflation assumptions yearly.

About

This page stores your inputs locally in your browser. No data is uploaded. Calculations are for educational purposes only.

Built with vanilla JS + Chart.js.

Budget Studio + FIRE Planner

Incomes & Expenses

Budget Wheel

Cash Flow Bar Chart

FIRE Planner

Portfolio & Withdrawals Over Time

Yearly Portfolio Value Table

Summary

Download Your Data

Tips

About

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