FIRE Calculator
Financial IndependenceDebts & Loans
Track your debts and loan obligations affecting your FIRE number
Debts & Loans
Total Outstanding
$25,000
Monthly Payments
$700
Auto Loan
$12,000
4.5% interest
$350/mo
Student Loan
$10,000
5.5% interest
$200/mo
Credit Card Debt
$3,000
19.9% interest
$150/mo
Understand how debt shifts your FIRE date
Capture mortgages, auto loans, student loans, credit cards, and other obligations with their EMI, interest rate, and outstanding balance. The calculator subtracts monthly debt payments from cash available to invest and rolls finished loans back into your savings rate the moment they're paid off.
What you can do here
Loan types covered: mortgage, auto loan, student loan, credit card, personal loan, and custom debts.
Per-liability monthly EMI feeds the Cashflow page as a sibling to investments and expenses.
Pause payments to model interest-only periods, deferrals, or refinancing scenarios.
Outstanding-balance changes flow through to your net-worth projection in real time.