# WealthCompounds > Free educational calculators for compound interest, FIRE, Coast FIRE, savings rate, and account order. Not investment, tax, or financial advice. Canonical host: https://wealthcompounds.com (no www). Calculators run in the browser. The Coast FIRE math is also POST https://wealthcompounds.com/api/coast-fire with rates as decimals (0.07 for 7%). The contract is https://wealthcompounds.com/openapi.json. ## Calculators - [FIRE calculator hub](https://wealthcompounds.com/index.md): It is the portfolio that covers your annual spending at a withdrawal rate you choose. Spending of $60,000 at 4% is $1.5 million. The rate is a research shorthand, usually associated with roughly 30-year historical tests, not a promise that the portfolio lasts. - [FIRE calculator](https://wealthcompounds.com/fire-calculator.md): Estimate a FIRE number from annual spending and a withdrawal rate, then see how long a constant return and a monthly contribution take to get there. - [Coast FIRE calculator](https://wealthcompounds.com/coast-fire.md): Find the invested balance that can grow to a retirement target with no new contributions, including Social Security, side income, partial withdrawals, and real or nominal dollars. - [Compound interest calculator](https://wealthcompounds.com/compound-interest-calculator.md): A compound interest calculator with a monthly contribution, a compounding schedule, and an animated chart of principal and growth, plus a savings-rate chart of years to retire. - [Savings rate calculator](https://wealthcompounds.com/savings-rate.md): Turn income and monthly savings into a savings rate, then see years to a FIRE number from your current portfolio and from a standing start. - [How long will my money last?](https://wealthcompounds.com/how-long-will-money-last.md): See how many years a portfolio lasts if withdrawals rise with inflation and the return stays constant, plus the withdrawal that would hold purchasing power. - [Millionaire calculator](https://wealthcompounds.com/millionaire-calculator.md): Estimate how long a starting balance and a monthly contribution take to reach $1,000,000 at a constant compound rate. - [401(k) calculator](https://wealthcompounds.com/401k-calculator.md): Estimate an employee deferral, a simple employer match, and the 2026 IRS deferral cap, then project the balance at a constant return. - [Net worth percentile by age](https://wealthcompounds.com/net-worth-percentile.md): An educational estimate of where a household net worth sits among U.S. families in the same age group, anchored to 2022 SCF medians. ## Guides - [About WealthCompounds](https://wealthcompounds.com/about.md): WealthCompounds is an independent set of educational calculators for compound interest, savings rate, and financial independence. - [Editorial standards](https://wealthcompounds.com/editorial-standards.md): How WealthCompounds writes calculators and guides: formulas, sources, corrections, and the line between advertising, workbooks, and explanation. - [Privacy policy](https://wealthcompounds.com/privacy.md): What WealthCompounds collects, what stays in your browser, and how ads and analytics load. - [Terms of use](https://wealthcompounds.com/terms.md): Terms for using WealthCompounds calculators and, when they are on sale, the educational PDF workbooks. - [401(k) vs Roth IRA](https://wealthcompounds.com/401k-vs-roth-ira.md): A general comparison of traditional 401(k), Roth 401(k), and Roth IRA treatment, including 2026 IRS limits. Educational, not tax advice. - [A general order for funding accounts](https://wealthcompounds.com/account-order.md): An educational sequence for match, emergency cash, HSA, IRA, workplace plan, and taxable investing, with the reasons the order changes. - [Compound interest, in plain arithmetic](https://wealthcompounds.com/compound-interest-guide.md): How compound interest is calculated, why the period matters, and what a constant rate leaves out. - [Savings by age, as benchmarks](https://wealthcompounds.com/savings-by-age.md): Fidelity's published retirement-savings multiples and the 2022 Survey of Consumer Finances net-worth medians, with the difference between the two. - [Fat FIRE](https://wealthcompounds.com/fat-fire.md): Fat FIRE means financial independence at a high level of spending. How the number is built, and what the label does not decide. - [Lean FIRE](https://wealthcompounds.com/lean-fire.md): Lean FIRE is financial independence on a modest budget. The math is the same as any FIRE number; the risk is a budget with no slack. - [Barista FIRE](https://wealthcompounds.com/barista-fire.md): Barista FIRE uses part-time or benefits-eligible work to cover some spending so the portfolio can be smaller. - [The 4% rule, and what it is not](https://wealthcompounds.com/four-percent-rule.md): Where the 4% withdrawal shorthand comes from, the horizon it was studied on, and why a calculator that uses it is not a guarantee. - [How much do you need to retire?](https://wealthcompounds.com/how-much-to-retire.md): A practical way to turn annual spending into a portfolio target, and the incomes that make the target smaller. - [FIRE and traditional retirement](https://wealthcompounds.com/fire-vs-traditional-retirement.md): How an earlier stop-work date changes the portfolio, healthcare, and Social Security problem compared with retiring near 65. - [Inflation and the return you type in](https://wealthcompounds.com/inflation-and-investing.md): Why a nominal return overstates what you can buy, and how to use real versus nominal mode without mixing the dollars. - [Index funds, as a concept](https://wealthcompounds.com/index-funds.md): What an index fund is, why costs compound, and why this site does not name a fund to buy. - [A few FI ideas that survive contact with a calculator](https://wealthcompounds.com/fi-insights.md): Savings rate, the first large milestone, doubling time, and why medians and averages tell different stories. - [Glossary](https://wealthcompounds.com/glossary.md): Short definitions for the FIRE and compounding terms used on WealthCompounds. ## Optional - [Workbooks](https://wealthcompounds.com/products.md): Coast FIRE Plan ($9), Money Autopilot Workbook ($19), bundle ($25). - [OpenAPI](https://wealthcompounds.com/openapi.json): POST /api/coast-fire.