About Nest Egg Numbers

Nest Egg Numbers provides free, browser-based FIRE (Financial Independence, Retire Early) calculators and retirement planning tools. Every calculation runs entirely in your browser — we don't collect, store, or transmit any of your financial data.

Our Calculators

FIRE Number Calculator

Calculates your financial independence target using the formula: FIRE Number = Annual Expenses / Withdrawal Rate. Portfolio projections use inflation-adjusted (real) returns with year-by-year compounding.

Coast FIRE Calculator

Finds the present value of your FIRE number: Coast FIRE = FIRE Number / (1 + Real Return)^Years. This tells you how much you need saved today so compound growth alone reaches your retirement target.

Safe Withdrawal Rate Analyzer

Runs 1,000 Monte Carlo simulations using normally distributed annual returns calibrated to historical stock/bond allocations. Each simulation generates a unique sequence of returns, capturing sequence-of-returns risk that deterministic calculators miss.

City Retirement Calculator

Adjusts your baseline spending using city-specific cost-of-living indices across six categories: housing (35%), food (15%), healthcare (15%), taxes (15%), transportation (10%), and utilities (10%). Data is calibrated against BLS Consumer Expenditure Survey and C2ER COLI reports.

Data Sources & Assumptions

  • Historical return distributions from Ibbotson/Morningstar SBBI data
  • Cost-of-living indices from BLS CES, C2ER COLI, and state tax tables
  • Default inflation rate: 2.5% (approximate long-term CPI average)
  • Default nominal return: 7% (approximate long-term S&P 500 average)

Limitations

  • Returns are modeled as normally distributed; real markets have fat tails
  • Tax implications are simplified via state tax multipliers, not full tax modeling
  • Cost-of-living data is approximate — actual costs vary by neighborhood and lifestyle
  • Social Security, pensions, and other income sources are not modeled

Disclaimer

This is educational content, not financial advice. Nest Egg Numbers is not a registered investment advisor. The calculators and articles are for informational purposes only. Consult a qualified financial professional before making investment or retirement decisions.

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