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FIRE Calculator
Calculate your Financial Independence number, Coast FIRE milestone, and the exact age you can retire early.
Market Assumptions
Savings Rate37.5%
0% — Never FIRE50%+ — Accelerated
FIRE Type Reference
☕ Lean FIRE
Frugal, minimal lifestyle
$625,000
$25,000/yr spend
🔥 FIRE
Standard FIRE — 4% rule
$1,250,000
$50,000/yr spend
💰 Fat FIRE
Comfortable, no compromises
$2,500,000
$100,000/yr spend
🔥 Your FIRE Number
$1,250,000
= $50,000/yr ÷ 4% SWR
Projected FIRE Age
Age 58 (28 years away)
🌊 Coast FIRE Number
$117,079
Save this now, never contribute again — still retire at 65
Projected Coast FIRE at Age 33 (3 years away)
Annual Savings
$30,000
Gap to FIRE
$1,200,000
Progress
4.0%
Monthly Savings
$2,500
Current: $50,000Goal: $1,250,000
Portfolio Growth to FIRE
Projection Schedule
| Age | Portfolio Balance | FIRE Target | Coast FIRE Target |
|---|---|---|---|
| 30 | $50,000 | $1,250,000 | $117,079 |
| 31 | $84,596 | $1,287,500 | $120,591 |
| 32 | $121,693 | $1,326,125 | $124,209 |
| 33 | $161,472 | $1,365,909 | $127,935 |
| 34 | $204,126 | $1,406,886 | $131,773 |
| 35 | $249,864 | $1,449,093 | $135,726 |
| 36 | $298,908 | $1,492,565 | $139,798 |
| 37 | $351,497 | $1,537,342 | $143,992 |
| 38 | $407,888 | $1,583,463 | $148,312 |
| 39 | $468,356 | $1,630,966 | $152,761 |
| 40 | $533,195 | $1,679,895 | $157,344 |
| 41 | $602,721 | $1,730,292 | $162,064 |
| 42 | $677,273 | $1,782,201 | $166,926 |
| 43 | $757,215 | $1,835,667 | $171,934 |
| 44 | $842,936 | $1,890,737 | $177,092 |
| 45 | $934,853 | $1,947,459 | $182,405 |
| 46 | $1,033,415 | $2,005,883 | $187,877 |
| 47 | $1,139,102 | $2,066,060 | $193,513 |
| 48 | $1,252,430 | $2,128,041 | $199,319 |
| 49 | $1,373,949 | $2,191,883 | $205,298 |
| 50 | $1,504,254 | $2,257,639 | $211,457 |
| 51 | $1,643,978 | $2,325,368 | $217,801 |
| 52 | $1,793,802 | $2,395,129 | $224,335 |
| 53 | $1,954,458 | $2,466,983 | $231,065 |
| 54 | $2,126,727 | $2,540,993 | $237,997 |
| 55 | $2,311,450 | $2,617,222 | $245,137 |
| 56 | $2,509,527 | $2,695,739 | $252,491 |
| 57 | $2,721,922 | $2,776,611 | $260,066 |
| 58 | $2,949,671 | $2,859,910 | $267,868 |
| 59 | $3,193,885 | $2,945,707 | $275,904 |
| 60 | $3,455,752 | $3,034,078 | $284,181 |
| 61 | $3,736,550 | $3,125,100 | $292,706 |
| 62 | $4,037,647 | $3,218,853 | $301,487 |
Based on the 4% Safe Withdrawal Rate rule (Bengen 1994 / Trinity Study). Inflation-adjusted projections using 3% annual inflation. Past market performance does not guarantee future results. Consult a fee-only financial advisor.
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