Free FIRE Planning Tool

What does that car actually cost you?

Every dollar you spend today on a car payment is a dollar that could be compounding. Plug in your real numbers below.

Run Your Numbers

Step 1 — Compare Two Cars

Used / Paid-Off Car
New Car
—
Used / Paid-Off Total
—
New Car Total
—
Monthly Difference

Step 2 — FIRE Number Impact

That monthly difference adds up. Here's how it moves your FIRE finish line:

Monthly difference
—
× 12 months
—
× 25 (4% rule)
—
—
FIRE Number Increase — you just moved the finish line

Step 3 — The Bonus: Investing the Difference

What if you invested that —/mo instead? Here's what compounding does over time.

—
Lost wealth over — years of compounding
The Real Question
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added to your FIRE number — the finish line just moved
—
in lost wealth over — years of compounding
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Want to go deeper?

Get the full spreadsheet and run the numbers your way.

📊 4 car scenarios side by side  ·  📈 Sensitivity tables  ·  💰 30-year projections
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Jonathan Nagy

Jonathan Nagy

Alpine Road Financial · Ex-Apple, Ex-Square

I help mid-career tech professionals turn equity compensation complexity into a clear financial plan. If you want to talk through what these numbers mean for your situation, I'm here.

Jonathan Nagy · Alpine Road Financial

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This tool is for educational and informational purposes only and does not constitute financial, tax, or investment advice. All projections are hypothetical and based on user-provided inputs—actual results will vary. Alpine Road Financial is not responsible for decisions made based on these estimates.