Life Labs is a FIRE date calculator and financial independence planner. Model exactly when you can retire early, run what-if scenarios for major life decisions, track your net worth, and get AI-powered insights — all in one place. Start free, no credit card required.
Calculate exactly when you can reach financial independence using the 4% rule and fully personalized projections. Adjust your savings rate, investment returns, and retirement spending to find your earliest possible work-optional date.
Model the financial impact of buying a home, having children, funding college, changing careers, receiving a windfall, or making a large purchase. See how each decision shifts your FIRE date before you commit.
Track all your assets — retirement accounts, brokerage, savings, real estate — alongside liabilities and spending. See your complete financial picture in one dashboard.
Get personalized, actionable guidance based on your actual numbers. Life Labs analyzes your financial profile and surfaces the highest-leverage moves to accelerate your path to independence.
Add financial goals — a home down payment, a sabbatical, a child's education — and see the real dollar and time impact on your FIRE projection. Plan major milestones without guessing.
Life Labs is built on the Trinity Study — landmark 1998 research showing that a 4% annual withdrawal rate has survived nearly every historical market cycle over 30 years. This gives us the 25x Rule: multiply your annual spending by 25 to get your FIRE number. The FIRE Lab also runs a Monte Carlo simulation, testing your plan across thousands of randomized market sequences and displaying a probability of success. This turns a single forecast into a confidence range. One key nuance: the 4% rule was designed for 30-year retirements. Early retirees need a 50-year runway, and Life Labs lets you model a more conservative 3.5% or 3% withdrawal rate accordingly.
Spreadsheets work until life changes — a new job, a home purchase, a child. Each update means rebuilding your model and re-checking formulas. Life Labs treats your finances as a living system. Change your monthly investment amount and your FIRE date updates across every module instantly. Add a goal and the Goals Timeline deducts it from your projection automatically. The What-If Lab lets you model a job change, home purchase, or sabbatical before you commit — answering the question spreadsheets can't: what does this decision actually do to my FIRE date?
Start by entering your income, assets, debts, and contributions in Capital Overview — your savings rate, net worth, and projected FIRE date appear immediately. The Strategic Brief then surfaces the two or three changes that would most accelerate your timeline. Use the What-If Lab to stress-test the real decisions you're facing. Finally, the Weekly Ritual keeps your plan current with a quick check-in that catches drift before it compounds. Your FIRE date isn't a fixed destination — it's something you actively manage.
Life Labs offers a 7-day free trial with full access to every feature — no credit card required. After the trial, upgrade to Pro for $5/month or $50/year.