Stop guessing. Build your FIRE number, then pressure-test it for 50 years.
The FIRE Starter Kit is a spreadsheet-based system that calculates your monthly spending and turns it into a realistic FIRE target, then stress tests your planned withdrawals across inflation and real-world return sequences. You’ll see what survives, what fails, and why, and then lock in a simple investing rulebook, your Investor Policy Statement, that you can actually follow when markets get ugly.
FIRE Starter Kit Bundle: $79
Instant access to all tools + the Quick Start PDF.
14-day money-back guarantee. If it’s not a fit, email me at [email protected] within 14 days and I’ll refund your purchase.
Instant access after checkout inside the FIRE Starter Kit Vault (ThriveCart Learn+)
Why this kit exists
Most FIRE calculators just give you a number. They do not show you what happens year-by-year when inflation is real, markets are not smooth, and the early years of retirement are ugly.
This kit does.
- Built for long horizons: 50-year pressure tests, not just a generic 30-year retirement
- Sequence-aware: Historical return sequences, not smooth “average return” assumptions.
- Decision outputs: PASS/FAIL, ruin year, and how bad it got
- Behavior layer included: A fillable IPS so you don’t improvise in a downturn
What’s inside the FIRE Starter Kit
This FIRE Starter Kit is a system, not a pile of files. Each tool answers a specific question to inform your FIRE strategy, and together they cover spending baseline, survival, and behavior.
Tool #1: FIRE Number + Baseline Spending Calculator
Build a baseline you can trust, add an uncertainty margin (especially abroad), and generate a FIRE number range that makes sense.
- Baseline spending builder designed to avoid double counting
- FIRE number range (3%–4% core)
- Safe spend at current assets
- Gap + time-to-target estimate
TOOL#1 FIRE Calculator and Spending Baseline Calculator
Tool #2 (Flagship): 50-Year FIRE Withdrawal Stress Test
Stress test your plan using three methods and get a clear, decision-ready outcome:
- PASS/FAIL
- Ruin year (if it fails)
- Minimum portfolio value (how bad it got)
- Ending balances at Year 30 and Year 50
- Optional one-time withdrawals (planned shocks)
- Historical sequence testing via selectable return series
Tool #2: FIRE Withdrawal Rate Stress Tester Calculator Walk Through
Tool #3: Personal Investment Policy Statement (IPS) — Fillable PDF
A short operating document that protects your plan when your emotions want to freestyle.
- Target allocation model options
- Contribution + rebalancing rules
- Down-market protocol (your crash rules)
- Living abroad addendum
- Fillable fields + change log table
Tool #4: Expat Destination Country Screener + Cost of Living Calculator
Quickly compare countries using directional averages, then shortlist where your lifestyle is realistically affordable before you build a city-level budget.
Tool #3: Expat FIRE Calculator and Country Screener
Quick Start Guide (1 page): The “do this in order” page that ties everything together and tells you what to copy where.
How to use the kit (3 steps)
- Build your baseline + FIRE number range in Tool #1.
- Stress test it for 50 years in Tool #2 and read PASS/FAIL + ruin year.
- Write your IPS in Tool #3 so you have rules you will follow in a downturn.
Bonus: Use the destination screener to shortlist countries quickly, then bring your estimate back into Tool #1 and build a real category baseline for your target city.
Who this kit is for
Best for aspiring early retirees, expats, and long-horizon planners (40–50 year runway)
This kit is for you if you want:
- A realistic FIRE baseline and target (not a fantasy number)
- Survival testing under inflation and bad sequences
- A plan you can follow without becoming a spreadsheet hobbyist
- An “abroad-aware” approach that includes friction and uncertainty
This kit is not for you if you want:
- Personalized investment advice
- Perfect tax modeling for every country
- Neighborhood-level city budgets (yet)
Bundle value
If purchased separately: $116
- 50-Year Stress Test: $49
- FIRE Number Calculator: $29
- Fillable IPS: $19
- Destination Screener: $19
Starter Kit Bundle: $79
You get the full system for less than the combined standalone price.
14-day money-back guarantee. If it’s not a fit, email me within 14 days and I’ll refund your purchase.
Get the FIRE Starter Kit
Instant access. Excel recommended. Edit green cells only.
FAQs
Is this financial advice?
No. Educational planning tools only.
Does this work in Google Sheets?
Built for Excel. Some pieces may work in Sheets, but Excel is recommended.
Do you model taxes?
Not precisely. Use conservative assumptions and treat taxes as a separate layer.
How do I get the downloads after purchase?
You’ll receive instant access to the FIRE Starter Kit Vault after checkout. If you don’t see the email within a few minutes, check Promotions/Spam.
What if my inputs change?
That’s the point. Re-run your baseline and stress test when life changes.
