Lazy Trader — The Numbers
The Numbers · FIRE Calculators
ALL VALUES IN CAD
6 CALCULATORS

THE NUMBERS

Six tools to map your path to financial independence. Plug in your numbers — see your future.

FIRE NUMBER
How much do you need to retire? Based on the 4% safe withdrawal rule — your portfolio should be 25× your annual expenses.
$
2% (Conservative)6% (Aggressive)
$
AWAITING INPUT
Adjust the sliders to see your FIRE number.
SAVINGS RATE
Your savings rate is the single biggest lever in your FIRE journey. See how your rate maps to years until financial independence.
$
$
3%12%
$
AWAITING INPUT
Enter your income and expenses.
COAST FIRE
Coast FIRE is when your portfolio is large enough that — without adding another dollar — it will grow to your FIRE number by retirement age.
$
$
3%12%
AWAITING INPUT
Enter your details to find your Coast FIRE number.
4% WITHDRAWAL
Model how long your portfolio will last under different withdrawal rates and market return scenarios.
$
$
0%10%
0%6%
AWAITING INPUT
Enter your retirement portfolio details.
TIME TO FIRE
How many years until you hit your FIRE number? Models your portfolio growth with regular contributions over time.
$
$
$
3%12%
AWAITING INPUT
Enter your details to project your FIRE date.
ANNUITY TABLE
Present value of $1 received annually. Use to value income streams and pension payouts.
$
Rates shown
AWAITING INPUT
Set payment and years to generate the table.