Finance Calculators
These tools calculate in your browser, with no sign-up needed. FIRE inputs are included in the URL and sent to WalletMap's server when a link with numbers is opened.
Net Worth Calculator
Subtract what you owe from what you own and see where you actually stand. Good for a quarterly check-in.
Open calculatorFIRE Calculator
Estimate your financial independence number using the 4% rule, and see roughly how many years it takes at your current savings rate.
Open calculatorWhat these calculators actually do
Net worth: see where you stand today
The net worth calculator is useful when you are taking stock of your money, planning a job change or a move, or trying to make a big purchase without guessing. The formula is deliberately simple: net worth = assets − liabilities, so you put everything you own and everything you still owe on the same page. The most common mistake is adding a home to your assets but forgetting to add the mortgage, or counting only cash while leaving out investments, retirement accounts, vehicles, and other things with value. You do not need perfect numbers on the first pass; a complete, consistent estimate gives you a better starting point, and updating it once a quarter makes the trend easier to see.
Read the full net-worth walkthroughFIRE: turn spending into a long-term target
The FIRE calculator is useful when you want to ask, “If my spending and saving stay roughly like this, how far am I from covering my life without a paycheck?” The familiar 4% rule gives a quick starting point: annual spending × 25 is a rough target, because withdrawing about 4% a year maps to that multiple. Coast FIRE is different: you first reach a smaller checkpoint, then stop adding new money and let time and compounding carry the balance toward your future target. The common trap is forgetting inflation; a budget that feels comfortable today may cost much more ten years from now, so treat the result as a planning direction, not a promise.
Read how the 4% rule worksA sensible order
Start with net worth so you know what you own and owe, then use FIRE to connect your preferred yearly spending with a possible long-term target. Update both once a quarter; checking every day can turn ordinary market swings into unnecessary stress. These numbers are there to give you direction, not to predict the market, and your income, spending, and assumptions will change over time. Come back after a few months, adjust the inputs, and compare the trend instead of treating one day’s result as a verdict.
Calculations run in your browser. FIRE inputs are included in the URL so you can share them; opening a link with numbers sends the URL to WalletMap's server as part of the page request.