FIRE Calculator
Calculate when you can achieve Financial Independence and Retire Early.
Your Finances
FIRE Number
$1,375,000
Years to FIRE
19
FIRE Age
49
Savings Rate
45%
Annual Savings
$45,000
Monthly Withdrawal
$4,583
Coast FIRE Number
$305,637
Coast FIRE Age
35
Savings Projection
| Age | Portfolio | FIRE Target | Progress |
|---|---|---|---|
| 30 | $80,000 | $1,375,000 | 6% |
| 31 | $128,512 | $1,375,000 | 9% |
| 32 | $179,154 | $1,375,000 | 13% |
| 33 | $232,020 | $1,375,000 | 17% |
| 34 | $287,206 | $1,375,000 | 21% |
| 35 | $344,815 | $1,375,000 | 25% |
| 40 | $673,093 | $1,375,000 | 49% |
| 45 | $1,080,043 | $1,375,000 | 79% |
| 49 | $1,474,773 | $1,375,000 | 100% |
FIRE Strategy
- A 45% savings rate is solid. Increasing it by 5% could shave years off your FIRE date.
- Coast FIRE: If you have $306K saved, you could stop saving and still hit your FIRE number by 65 through investment growth alone.
Projections use inflation-adjusted (real) returns. Actual results depend on market conditions, tax strategies, and spending changes.
What Is the FIRE Movement?
FIRE stands for Financial Independence, Retire Early. The core idea: save aggressively (40–70% of income), invest in low-cost index funds, and build a portfolio large enough to cover your living expenses forever. Your "FIRE number" equals your annual expenses divided by your safe withdrawal rate (typically 4%). Once your investments reach that number, work becomes optional.
FIRE Types Compared
| Type | Annual Spending | FIRE Number (4% SWR) | Lifestyle |
|---|---|---|---|
| Lean FIRE | $30,000–$40,000 | $750K–$1M | Minimalist, low-cost area |
| Regular FIRE | $50,000–$70,000 | $1.25M–$1.75M | Comfortable middle-class |
| Fat FIRE | $100,000+ | $2.5M+ | Maintain high spending |
| Coast FIRE | Varies | ~$300K by 30 | Stop saving, let investments grow to 65 |
| Barista FIRE | Varies | ~70% of FIRE # | Part-time work covers gap |
Savings Rate vs Years to FIRE
Assuming 7% returns, 2.5% inflation, 4% withdrawal rate:
| Savings Rate | Years to FIRE | Starting at 25 | Starting at 35 |
|---|---|---|---|
| 10% | 51 years | Age 76 | Age 86 |
| 20% | 37 years | Age 62 | Age 72 |
| 30% | 28 years | Age 53 | Age 63 |
| 40% | 22 years | Age 47 | Age 57 |
| 50% | 17 years | Age 42 | Age 52 |
| 60% | 12.5 years | Age 37 | Age 47 |
| 70% | 8.5 years | Age 33 | Age 43 |
Frequently Asked Questions
Is the 4% rule still safe?
The original Trinity Study showed a 4% withdrawal rate had a 95% success rate over 30 years with a 50/50 stock-bond portfolio. For early retirees (40+ year horizons), many use 3.5% or build in flexibility — reducing withdrawals in down markets. The key: your FIRE plan should include guardrails, not just a fixed withdrawal number.
What about healthcare before Medicare at 65?
This is the biggest FIRE challenge. Options: ACA marketplace plans (with subsidies if income is low enough), health sharing ministries, spouse's employer plan, or short-term health plans. Budget $500–$1,500/month for a family. An ACA Subsidy Calculator can estimate your costs.
See also: Retirement Income Calculator and Compound Interest Calculator.