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Years-to-FIRE with real-return inflation + ACA 400% FPL cliff overlay for pre-Medicare bridge years. $10K/yr subsidy cliff. Free. FIRE Calculator 2026 — Financial Independence, Retire Early Calculate your FIRE number, years to financial independence, Coast FIRE age, and Barista FIRE income — all from a lightweight Chrome extension. FREE FEATURES: - FIRE number (25x annual expenses, adjustable withdrawal rate) - Years to Financial Independence based on savings rate and returns - Target FIRE age projection - Annual FIRE income at retirement - Savings rate tracking - Return rate assumptions (5%-10%) - Safe withdrawal rate selector (3%-4.5%) PRO FEATURES ($4.99 one-time): - Coast FIRE age — stop saving early, let investments compound to your target retirement age - Barista FIRE number — how much part-time income covers the gap - Geographic Arbitrage FIRE — relocate to a lower-cost area and retire sooner - Withdrawal rate sensitivity comparison (3% vs 4% vs 5%) No account required. No data leaves your browser. All calculations happen locally.