ReachFire
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Your path to financial freedom starts here.

The most comprehensive free FIRE planning platform. Monte Carlo simulations, Roth ladder planning, geoarbitrage explorer, and AI insights — all in your browser.

Start Planning — It's FreeHow it works

Quick FIRE estimate — $100K income

30%
5% (avg American)90% (extreme FIRE)

23.3 years

to FIRE

2049

FIRE year

$1.75M

FIRE target

Assumes 7% return · 4% withdrawal · starting from $0

What ReachFire has that no one else does

Geoarbitrage Explorer

Compare 50+ cities worldwide. "Your $1.2M SF FIRE number becomes $480K in Lisbon."

Medical Tourism Savings

Hip replacement: $40K US vs $7K India. See your 30-year healthcare savings.

AI FIRE Advisor

Personalized insights: "Cutting $200/mo moves your FIRE date 14 months closer."

Every tool you need

A complete suite for every stage of your FIRE journey.

Core Tool

FIRE Calculator

Monte Carlo simulations, live projections, and AI-powered insights.

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Scenario Comparison

Compare Lean, Regular, Fat, Coast, and Barista FIRE side by side.

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Unique

Geoarbitrage

See how relocating to 50+ cities worldwide shrinks your FIRE number.

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Roth Ladder

Visual 5-year seasoning timeline, tax bracket optimizer.

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Unique

Healthcare Costs

ACA premiums, Medicare, HSA optimization, and medical tourism savings.

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Withdrawal Simulator

Test 4% rule and guardrails against 100 years of historical data.

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Coast FIRE

Find the exact age when you can stop saving and coast to retirement.

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One Decision Impact

See the compound effect of a single lifestyle change over 30 years.

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Social Security

Optimize your claiming age. Breakeven analysis, spousal benefits.

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Real Estate

Cap rate, cash-on-cash return, and rental income's impact on FIRE.

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Debt Payoff

Avalanche vs snowball comparison. See how debt freedom accelerates FIRE.

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Savings Rate

The single most powerful lever. See your exact FIRE timeline curve.

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Join thousands planning their escape

Free forever. No account required. Your data never leaves your browser. Built by the FIRE community, for the FIRE community.

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