Honed Money

Money tools

FIRE & Early Retirement

Financial independence, retire early. Find your number and the savings rate that gets you there.

Start here

FIRE Number Calculator

How much money do I need to retire early?

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Next steps

Rate → FIRE Savings Rate Calculator Coast → Coast FIRE Calculator

All calculators in this section:

01

FIRE Number

How much money do I need to retire early?

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02

FIRE Savings Rate

What savings rate gets you to early retirement?

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03

Coast FIRE

Have you saved enough to stop saving and still retire on time?

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04

Safe Withdrawal Rate

How much can you withdraw each year without running out?

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.