FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number — years to retire, FIRE age, monthly income, and milestone tracker with Lean, Fat, and Barista FIRE modes
FIRE Strategy
Your Numbers
Your FIRE Number
$1,200,000
Inflation-adjusted (today's dollars): $704,874
Years to FIRE
18
FIRE Age
48
Monthly Income
$4,000.00
Annual Savings
$32,000
Based on your savings rate
Investment Growth
+$574,000
On top of contributions
Journey to FIRE
Contributions vs Investment Growth
This calculator uses simplified projections with constant rates of return. Actual market returns vary. The 4% rule is based on historical US stock/bond portfolios. This is not financial advice — consult a licensed advisor.
How FIRE Works
FIRE Number = Annual Expenses ÷ Withdrawal Rate. At 4% withdrawal rate, you need 25× your yearly expenses.
Lean FIRE: Minimalist lifestyle with ~$25,000–$40,000/year spending. Very low FIRE number.
FIRE: Classic Financial Independence, using the 4% safe withdrawal rate from the Trinity Study.
Fat FIRE: Generous spending post-retirement, using a lower 3% withdrawal rate for extra safety.
Barista FIRE: Semi-retire early with a smaller portfolio, supplemented by part-time income.
FIRE Calculator — Financial Independence, Retire Early
Calculate your FIRE number — how much you need to retire early. Uses the 4% safe withdrawal rate rule. Shows years to FIRE, projected retirement age, and Lean/Fat/Barista FIRE variants.
FAQ
What is the FIRE number?
Your FIRE number is 25× your annual expenses (based on the 4% rule). If you spend $40,000/year, you need $1,000,000 invested to retire.
What is the 4% rule?
A study (the Trinity Study) found that withdrawing 4% of your portfolio annually has a 95%+ historical success rate over 30 years. It's the foundation of most FIRE planning.
What is Lean FIRE vs Fat FIRE?
Lean FIRE = retiring on minimal expenses (<$40k/year). Fat FIRE = retiring with a high spending budget (>$100k/year). Barista FIRE = semi-retiring with part-time income to supplement investments.
Continue Exploring
Other Finance Tools you might like...
Crypto Profit Calculator
Calculate cryptocurrency profit and loss — enter buy price, sell price, and fees to see your P&L and ROI
Dividend Yield Calculator
Calculate dividend yield, annual income, and yield on cost for any stock
Stock Return Calculator
Calculate total stock return including dividends, capital gains, and annualized performance over any time period
IBAN Validator & Generator
Validate International Bank Account Numbers with mod-97 checksum and generate test IBANs for 39 countries — full structure breakdown and BBAN format checking
SWIFT/BIC Validator
Validate SWIFT/BIC codes — full ISO 9362 structure breakdown with bank, country, location, and branch identification, plus test/passive/live status detection
Debt Snowball Calculator
Pay off debt faster with the snowball or avalanche method — see your payoff order, timeline, and total interest saved
Budget Planner
Track monthly income and expenses, calculate savings rate, and visualize your budget breakdown
Sales Tax Calculator
Add or remove sales tax from any amount — instantly switch between pre-tax and total at any rate