Free Financial Calculators — Net Worth Percentile, FIRE & More

The US median household net worth is about $192,900 (Fed SCF 2022). But the median jumps sharply with age — households in their 60s often sit 5–7× higher than those under 35. See the full breakdown with our Net Worth Percentile Calculator.

Enter your annual household income into our Income Percentile Calculator. We use Federal Reserve SCF 2022 household income distributions and map your number to the right percentile bucket. No signup, no PII — inputs stay in your browser.

A common FIRE-community benchmark is $100K invested by 30–33 — the "first $100K" milestone Charlie Munger called the hardest. Use our net worth percentile calculator to see where you stand against your age group.

The 4% rule comes from the 1998 Trinity Study: a retiree withdrawing 4% of their portfolio in year one and adjusting for inflation had roughly a 95% success rate over 30-year periods. For FIRE horizons of 40+ years, many experts suggest 3–3.5%. Test your own scenario with our Safe Withdrawal Rate calculator.

Coast FIRE is the point where your existing investments, left to compound on their own, will grow to your full FIRE number by traditional retirement age — no further contributions needed. A 30-year-old with ~$94K invested at 7% real returns will have $1M by 65 without adding another penny. Calculate your Coast FIRE number →

Your FIRE number = Annual Expenses ÷ Safe Withdrawal Rate. Spending $40K/yr? You need $1M at 4% or $1.14M at 3.5%. Use our FIRE Calculator to see your exact timeline based on current savings and contributions.

All calculations run 100% in your browser. No data is ever uploaded, stored, or shared. No accounts, no cookies, no tracking. Your financial information stays on your device.

Percentile rankings are based on the Federal Reserve's Survey of Consumer Finances (SCF) 2022, the most comprehensive US household wealth survey. All sources are publicly available and documented on our methodology page.