When could you stop working?

A free FIRE calculator running the real Krosos forecast engine, entirely in your browser. Nothing is saved or sent anywhere: the whole plan lives in the page address, so bookmark or share the link.

Portfolio

What you hold today. Growth is the expected return per year; volatility (one standard deviation) powers the chart's Range view. Yield-type returns are paid out and taxed as interest under the realized-gains tax model; growth-type returns compound untaxed until sold.

Class	Value	Invest %	Cost basis	Growth %/yr	±Vol %	Type

Set cost basis per class (what you paid; drives the realized-gains tax model, defaults to the value)

Income & spending

Net salary /mo Salary growth %/yr Expenses /mo Inflation %/yr Currency

Mortgage or loan

Optional. The payment is taken before anything is saved or sold, and the balance owed is subtracted from your net worth until it amortizes away. Leave the balance empty if you have no debt. Keep this payment out of your monthly expenses above, or it gets counted twice.

Balance owed Interest rate %/yr Payment /mo Years left

Retirement & financial independence

Retire in Spending in retirement /mo Safe withdrawal rate % Birth year Pension income /mo Pension income starts Pension pot unlocks

Tax

Simple: flat haircut on all growth

Tax %

Realistic: tax when gains are realized

Capital gains % Annual exemption Exemption carry-forward /yr Interest / yield %

Strategy

How spending deficits are funded once income no longer covers them.

Liquidation

More than one loan, and recurring investing

The FIRE calculator takes one mortgage or loan and the numbers above. The app models the rest from your real ledger: every loan on its own schedule, automatic monthly investing, cost basis per lot, balances synced from banks, brokers and exchanges.

Start 14-day free trial See the live demo

Run it on your real portfolio

Krosos computes this same forecast from your live holdings: balances synced from banks, brokers and exchanges, cost basis from your actual lots, your real tax settings and loan schedules. Your plan updates itself as your money moves.

Start 14-day free trial See the live demo

Estimates from your own assumptions, for planning. Not financial, investment or tax advice.