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1,000 statistical market paths
See the share of paths that remain funded, plus 10th, 50th, and 90th percentile outcomes through your selected plan age.
Early Retirement / FIRE Calculator 2026
Can you retire early and stay retired?
Test your target FIRE age, Coast FIRE balance, required savings, and access to money before age 59½. Compare three ages and 1,000 statistical market paths with every assumption visible.
$9 · One-time purchase
1 / 10 What you get
Early Retirement / FIRE Calculator 2026
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A separate pre-59½ bridge
Compare accessible assets with expected withdrawals before retirement accounts are normally available without penalty.
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Three ages and five FIRE modes
Test Lean, Regular, Fat, Barista, and Coast FIRE with withdrawal rates from 3.0% to 5.5%.
Detail
How the tool is built
Dashboard
The key decision signals on one screen
See funded-path probability, projected assets at FIRE, required monthly savings, and the status of your pre-59½ bridge.
Scenarios
Compare three FIRE ages side by side
See how your timeline, FIRE target, savings requirement, and statistical resilience change when you move the retirement date.
Risk range
Difficult, typical, and favorable market paths
The statistical model shows the range rather than one average and ends at your selected plan age.
Assumptions
Not a black-box calculator
Return, volatility, inflation, effective tax, Social Security, and every key planning assumption remain visible and editable.
Trust and method
Understand the assumptions, not just the answer
This model tests the plan across 1,000 simulated market paths and shows the range between unfavorable, central, and favorable outcomes.
Built with financial expertise
Created by Christian Elkrog, an economist and tech founder with more than a decade of experience and a successful company exit.
Not a black box
Inputs, assumptions, formulas, sources, and limitations are visible so you can understand each result.
Your figures stay with you
No account connection or hidden data collection. Slowshore never receives the information you enter.
Sources
Sources and assumptions
Show sources and assumptions
IRS and Social Security Administration guidance for US retirement rules and age thresholds. The statistical market model uses your own return, volatility, and inflation assumptions. This workbook is a planning tool, not financial advice.
Pricing
Early Retirement / FIRE Calculator 2026
Digital download
Early Retirement / FIRE Calculator 2026
Example workbook, blank workbook, start guide, and license in one download package.
Looking for the browser version? Join the waitlist.
FAQ
Frequently asked questions
Do I have to write formulas?
No. Fill in the marked input cells and the dashboard, scenarios, and checks update automatically.
What information should I have ready?
Your age, target FIRE age, account balances, annual contributions, expected spending, and return, volatility, and inflation assumptions.
What makes the statistical model different?
It tests 1,000 market paths and shows funded-path probability plus 10th, median, and 90th percentile assets. It does not rely on one average return.
Does it work in Google Sheets?
Excel is recommended for the most consistent presentation. The file can be imported into Google Sheets, but some chart and formatting behavior may vary.
Where is my data stored?
The file stays on your computer or in your own Google Drive. Slowshore never sees your numbers.
Is this financial advice?
No. It is a planning tool. Consult a licensed professional before making major financial decisions.