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FINANCIAL INDEPENDENCE — RETIRE EARLY

FIRE Calculator

Calculate when you can tell your boss goodbye forever. Adjust the sliders, pick your FIRE flavor, and watch the math do what HR never could — give you a real exit date.

What is FIRE?

FIRE stands for Financial Independence, Retire Early — a movement that started with the 1992 book Your Money or Your Life by Vicki Robin and Joe Dominguez, then went mainstream thanks to bloggers like Mr. Money Mustache. The core idea: save aggressively, invest in low-cost index funds, and build a portfolio large enough that you never need a paycheck again. Your "FIRE Number" is typically 25x your annual expenses — the point where 4% annual withdrawals cover your life indefinitely.

Types of FIRE

LeanFIRE

< $40k/year

Ultra-frugal retirement. Embrace minimalism and reach FIRE faster with lean annual spending.

FIRE

25x Expenses

The classic approach. Save 25 times your annual expenses and withdraw 4% per year.

FatFIRE

> $100k/year

Retire with a generous budget. Requires a bigger portfolio but you keep the good stuff.

BaristaFIRE

Part-Time + Portfolio

Leave the career but keep a chill part-time gig. Your portfolio handles the rest.

CoastFIRE

Compound Growth

Save hard early, then let compound interest carry you to traditional retirement age.

Calculate Your Number

Adjust the inputs and watch your path to freedom update in real time.

Your Details

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Assumptions

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Your Results

Your FIRE Number $1,000,000 Based on Regular FIRE
15 Years to FIRE
45 Retirement Age
32% Savings Rate
$2,500 Monthly Needed
Progress to FIRE 5%

Portfolio Growth Projection

FIRE Type Comparison

DISCLAIMER

This calculator is for informational and entertainment purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified financial adviser before making any financial decisions. Past performance does not guarantee future results.