FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number. See how long until you can live off your investments.
Income & Expenses
Investment Assumptions
Historical stock market average is ~7% after inflation
The 4% rule is a common guideline for sustainable withdrawals
Savings Rate
37.5%
17-28 years to FIRE
Your FIRE Number
$1,250,000
Time to FIRE: 17.1 years
Lean FIRE
$625,000
10.2 years
Fat FIRE
$1,875,000
21.8 years
Coast FIRE
$164,209
Amount needed now to coast to retirement at 65
Monthly Investment to FIRE in 10 Years
$6,061/mo
Annual Breakdown
FIRE Variants Explained
There are several approaches to Financial Independence:
- 🔥Regular FIRE: 25× your annual expenses, allowing you to maintain your current lifestyle
- 🌿Lean FIRE: 25× half your expenses, for a minimalist retirement
- 💎Fat FIRE: 25× 1.5× your expenses, for a comfortable retirement with extras
- 🏖️Coast FIRE: Enough saved that compound growth will reach FIRE by traditional retirement age
Why Savings Rate Matters
Your savings rate is the most important factor in reaching FIRE. A 50% savings rate means you can retire in about 17 years, while a 70% rate cuts it to just 10 years.
Tips for Reaching FIRE
- 1Increase income through raises, promotions, or side hustles
- 2Reduce expenses by cutting unnecessary subscriptions and lifestyle inflation
- 3Invest in low-cost index funds to maximize returns
- 4Track your spending to identify savings opportunities
- 5Consider geographic arbitrage - moving to lower cost-of-living areas
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