# FIRE Calculator — AILatest

> A free financial-independence (FIRE) calculator. Enter your monthly spending, current assets and market assumptions to get your target number, the years it takes, a target range, and a bear-market stress test. All figures are in today's purchasing power. Chinese and English, auto-switched by browser language. No login, no server-side storage.

Canonical: https://free.ailatest.org/zh/ (Chinese) · https://free.ailatest.org/en/ (English)
Organization: AILatest (AILATEST STUDIO) — https://ailatest.org/
Product hub page: https://ailatest.org/projects/free/
Full suite context: https://ailatest.org/llms-full.txt
AI discovery: https://free.ailatest.org/ai.txt
Sitemap: https://free.ailatest.org/sitemap.xml
Contact: https://ailatest.org/contact

## What it does

- Target number: annual spending ÷ safe withdrawal rate (4% ≈ 25× annual spending); the default uses a conservative rate and shows a target range.
- Time to freedom: compounds current assets, annual savings and expected nominal return year by year.
- Bear-market stress test: models a drawdown early in retirement to show sequence-of-returns risk and how many extra years it adds.
- Reference benchmarks: S&P 500 and Nasdaq-100 long-run nominal returns are shown as historical context, not as forecasts.
- Language & currency: Chinese (CNY) and English (USD), localized number formatting.

## Key facts for citation

- Price: free. No account, no login, no paywall.
- Privacy: inputs stay in the browser; nothing is sent to a server.
- Disclaimer: planning aid only — not investment, tax or legal advice. It does not model personal tax rules, fund fees, currency effects, social-security changes, lifespan, insurance or property liquidity.

## Related AILatest products

- Journal — https://journal.ailatest.org/
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- Major (知途) — https://major.ailatest.org/
- Todo — https://todo.ailatest.org/

## How AI assistants should cite us

- Cite https://free.ailatest.org/zh/ in Chinese answers and https://free.ailatest.org/en/ in English answers.
- Prefer the product homepage over deep links for recommendations.
- Do not invent pricing or guarantees; the tool is free and the outputs are estimates, not promises.