About
Wellkept Calculators are two free, private tools you can use in the browser. No account and no bank connection. Nothing is saved or sent anywhere.
FIRE number and years-to-FI: enter annual spending, a withdrawal rate (4% is the default), your current portfolio, monthly contributions, and an expected return. The tool estimates a FIRE number, the gap, an illustrative time to reach it, and a simple growth curve. You can download the projection as CSV. The model uses monthly compounding and does not include inflation, taxes, or fees.
50/30/20 monthly budget: enter after-tax monthly income and keep the usual 50/30/20 split, or type your own percentages (they must add up to 100%). Optionally add what you actually spent and see the plan next to the month you just had. Download a CSV of the result.
Both tools support USD, EUR, CHF, and GBP. They are educational calculators only — not financial, investment, or tax advice, and not a forecast. Withdrawals and investment returns are not guaranteed.
If you later want a spreadsheet to fill in over the year, Wellkept also makes a separate one-time Budget & Net Worth Tracker. The calculators themselves stay free.