Hearth Studio

Case study · SaaS

A FIRE calculator that quietly funds itself.

A focused financial-independence calculator paired with a daily content engine — five inputs, one honest number, and an automated affiliate stack working in the background.

Year
2026
Work
Calculator + content site
Role
Design + frontend + content engine
Duration
4 weeks to launch, ongoing
A FIRE calculator that quietly funds itself.

The challenge

Build a calculator people actually use, and let it pay for itself.

Most retirement calculators ask for forty-seven inputs and spit out a number nobody can act on. The brief was the opposite: five questions, one honest number, twenty seconds end-to-end. The calculator had to be the kind of thing someone would share — not a wall of fields they bounce off.

The harder part was the business: a free calculator with no signup is a cost center unless something else carries it. We wanted the tool to fund itself through honest channels — affiliate-supported comparison content and a related newsletter — without making the calculator itself feel like an upsell.

The approach

A focused tool, an editorial engine, and a quiet income system.

The calculator is deliberately minimal. Five inputs, classic FIRE math (7% real return, 4% safe withdrawal, 25× target spend), one number. Pre-filled scenario pages ($40k salary at 10/20/30% savings, $60k at 15/25/40%) and variants (With Kids, Moving States, Coast FIRE) cover the long-tail searches people actually type, each as a real calculation rather than a boilerplate landing page.

Behind the calculator sits a content engine that publishes a comparison post every day — Wealthfront vs Betterment, Empower vs Wealthfront, High-Yield Savings vs Money Market — the exact terms FIRE-curious readers Google. Each post earns its keep through carefully placed affiliate links and ties back to the calculator and the team's newsletter.

"It's a calculator and a small media business in the same site. The calculator gets people in the door. The blog pays the rent."
AI & Wealth Weekly

The result

A useful tool, daily organic traffic, and a flywheel that runs itself.

Live at freedomcalc.app — five-input calculator, six pre-filled scenario pages, three variant calculators, and a blog that adds a fresh comparison post every day. The site cross-promotes the team's newsletter (AI & Wealth Weekly) and a few sister tools without ever interrupting the main flow.

The math is posted in the open. The disclaimer is honest. There is no signup wall. People who want the twelve-month plan drop their email on the result page — which is the only conversion ask anywhere on the site.

5
Inputs to a number
Daily
Auto-published posts
20s
Time to a result

A small site that does one calculation honestly — and earns its keep on the way through.

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