๐ฅ FIRE Calculator
Find out when you can achieve Financial Independence and Retire Early
Your Current Situation
Income & Expenses
Assumptions
Progress to FIRE
Key Metrics
๐ก Ways to Reach FIRE Faster
Types of FIRE
Traditional FIRE
The classic approach: save 25x your annual expenses and live off 4% withdrawals. Balance between frugality and lifestyle.
Target: 25x expensesFat FIRE
Retire early without cutting back on lifestyle. Requires higher savings but allows for more spending flexibility.
Target: 33x+ expensesLean FIRE
Achieve financial independence faster with a minimalist lifestyle. Lower expenses mean a smaller target number.
Target: 25x (lean) expensesCoast FIRE
Save enough early that compound growth will fund retirementโthen work just to cover current expenses.
Target: Varies by ageBarista FIRE
Semi-retire and work part-time for health insurance and spending money while investments grow to full FIRE.
Partial independenceGeo FIRE
Relocate to a lower cost-of-living area to stretch your FIRE number further. Popular with digital nomads.
Location arbitrageHow FIRE Works
Calculate Your Number
Take your annual expenses and multiply by 25 (or divide by 0.04). This is based on the 4% safe withdrawal rate from the Trinity Study.
Maximize Savings Rate
The higher your savings rate, the faster you reach FIRE. A 50% savings rate gets you there in ~17 years; 75% in just ~7 years.
Invest Consistently
Put your savings in low-cost index funds. Time in the market beats timing the market. Let compound interest do the heavy lifting.
Withdraw Safely
Once you hit your number, withdraw 3-4% annually. This amount is historically shown to last 30+ years in most market conditions.