Free FIRE Calculator for Freelancers and Consultants

Most FIRE calculators assume you have a stable salary and a 401(k). If you’re a freelancer billing by the hour, that math doesn’t apply. Your income varies. Your expenses vary. Your savings rate changes quarter to quarter.

We built a FIRE calculator that works for people like us: /tools/fire-calculator. No signup. No email wall. Just numbers.

What it does

Enter your country, age, income, expenses, and investment portfolio. The calculator tells you:

• Years to FIRE for Regular, Lean, Fat, and Coast FIRE
• Monte Carlo probability based on 1,000 simulated market scenarios with 15% annual volatility
• Investment breakdown across stocks, retirement accounts, cash, real estate, and other assets
• Portfolio projection chart with threshold lines for each FIRE type
• Country-specific defaults for 28 countries with local currency formatting and inflation rates

Change your country and the inputs update: income in rupees, yen, or euros. Inflation adjusts to local reality. The FIRE number recalculates in your currency.

Why this matters for freelancers

If you bill 30 hours a week at $150/hour and spend $4,000/month, your savings rate is already high. Most freelancers don’t realize they’re closer to financial independence than salaried workers because their per-hour earnings are higher.

But that only works if you track every hour. Unbilled time is the silent killer of FIRE projections. A 15-minute oversight per day at $150/hr costs $9,375/year. Over 20 years of compounding at 7%, that’s $384,000 lost.

Track the work. Bill the work. Keep the margin.

Try it

Go to /tools/fire-calculator. Enter your numbers. See when you can stop billing.

Then track your hours with Miru so none of them slip through.