Terms and Conditions

Last updated: July 9, 2026

By using Real Fire Calculator ("the site," "the calculator," "we," "us"), you agree to the terms below. If you don't agree with them, please don't use the site.

What this site is

Real Fire Calculator is a free, browser-based tool for modeling Financial Independence and early retirement ("FIRE") scenarios. It takes the assumptions you provide, income, expenses, savings, expected returns, inflation, withdrawal rate, and projects them forward using standard compound-growth math. There is no account creation, no payment, and no guarantee of continued availability or specific features.

Not financial advice

Nothing on this site is financial, investment, tax, or legal advice, and it isn't built or reviewed by a licensed financial advisor. It's a modeling tool that reflects the inputs and assumptions you give it, and default figures (such as a 7% pre-retirement return, 3% inflation, or a 4% safe withdrawal rate) are illustrative starting points, not predictions or recommendations. Real markets, tax rules, and personal circumstances vary, and past returns don't guarantee future ones. Consult a qualified, licensed financial advisor before making decisions based on your own situation.

No warranty

The calculator is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to accuracy, completeness, reliability, or fitness for a particular purpose. We make a good-faith effort to keep the underlying math correct, but we don't guarantee the outputs are error-free or that they will match what actually happens to your finances.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or reliance on, this site or its outputs, including financial decisions made based on the calculator's projections.

Your data and inputs

Everything you type into the calculator runs and stays in your own browser; see the privacy policy for the full detail. You're responsible for the accuracy of the figures you enter, the calculator can only be as correct as its inputs.

Acceptable use

You agree not to misuse the site, including attempting to disrupt its availability, scraping it at a scale that degrades service for others, or using it in a way that violates applicable law.

Intellectual property

The site's design, code, and written content are the property of Real Fire Calculator and its author unless otherwise noted. You're welcome to link to the site or reference its output for personal, non-commercial use; reproducing the site's design or content elsewhere isn't permitted without permission.

Changes to these terms

These terms may be updated from time to time. Continued use of the site after a change constitutes acceptance of the updated terms. Material changes will update the "last updated" date above.

Contact

Questions about these terms can be sent to [email protected].