FIRE 计算器
计算您的财务独立提前退休 (FIRE) 数字 — 退休年数、FIRE 年龄、月收入和里程碑跟踪器，支持精简、丰厚和咖啡师 FIRE 模式
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.
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