FIRE Calculator
Enter your expenses, current investments, and savings rate. See your FIRE number, target age, and which flavor of FIRE (Lean, Regular, Fat, Coast, Barista) matches your life.
Age 51
FIRE target
Regular FIRE · $1,125,000
Your FIRE plan
FIRE number
$1,125,000
Years to FIRE
19
FIRE age
51
Savings rate
35%
Projected nest egg
$1,204,500
Months already covered
22.7
Freedom Coach™
Regular FIRE at age 51 — 19 years from today.
Your FIRE number is $1,125,000. At 7% real returns, projected nest egg reaches $1,204,500.
Premium
Save FIRE scenarios across Lean/Regular/Fat, model contribution bumps, and get monthly progress updates by email.
Unlock PremiumFinancial Independence, Retire Early. It's the idea of saving enough that investment returns can fund your lifestyle indefinitely, freeing you from work by 30s–50s instead of 60s–70s.
Coined by the Trinity Study, it says a portfolio can safely fund 4% annual withdrawals (inflation-adjusted) for 30+ years with ~95% success. Multiply your annual spending by 25 to get your FIRE number.
Lean FIRE: minimalist lifestyle (~$25–40k/yr). Regular FIRE: middle-class comfort (~$50–80k/yr). Fat FIRE: no compromises (~$100k+/yr). Coast FIRE: enough saved that compounding gets you to retirement even if you stop contributing.
Roughly: 10% = 51 years to retire. 25% = 32 years. 50% = 17 years. 65% = 10.5 years. 75% = 7 years. Savings rate is the #1 lever in FIRE math.
Some studies suggest 3.3–3.8% is safer given lower expected returns and longer retirements. Adjust the withdrawal rate down for a more conservative FIRE number.
Join our email list for tailored tips, milestone nudges, and new calculator releases.