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    CalculatorsFinanceFIRE (Financial Independence, Retire Early) Calculator

    FIRE (Financial Independence, Retire Early) Calculator

    Calculate your FIRE number, Lean/Coast/Fat-FIRE targets, savings rate velocity, and retirement timeline.

    Calculate
    FIRE (Financial Independence, Retire Early) Calculator
    Determine your exact FIRE Number, Lean FIRE, Coast FIRE, and Fat FIRE milestones based on the 4% Rule, your savings rate velocity, and compound real investment growth.
    1. Current Finances & Savings Rate
    Your current age, invested net worth, income, living expenses, and annual contributions.

    Your age today

    For Coast-FIRE baseline (typically 65)

    Stocks, ETFs, 401k, IRA, brokerage

    Take-home earnings

    ≈ $4167/month living cost

    Savings Rate: 47.4%

    2. Real Returns & Safe Withdrawal Strategy
    Configure post-inflation investment returns and safe withdrawal rate (SWR) rules.

    After inflation (e.g. 10% nominal - 3% inflation = 7%)

    25× annual expenses target

    100% = same lifestyle; 80% = paid-off mortgage

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