FIRE Calculator

Find your Financial Independence number and see when you can retire early. Compare Lean, Regular, Fat, Coast, and Barista FIRE strategies in one place.

Your details

Current ageAnnual income after tax ($)

Salary and wages only — add Social Security separately below

Annual expenses ($)

Current portfolio ($)

Expected annual return (%)

Saved to this browser — up to 5 scenarios.

Your FIRE number

$1,250,000

18.0 years to go — FI at age 48

Savings rate

37.5%

$2,500/mo saved

✓

Your portfolio sustains through age 95.

Portfolio projection

All paths to FI

Lean FIRE

Cover essentials only

$875k

14.4 yrs — age 44 (2041)

Barista FIRE

Part-time work covers the gap

$750k

12.9 yrs — age 43 (2039)

FIRE

Full financial independence

$1.25M

18.0 yrs — age 48 (2044)

Fat FIRE

Your dream lifestyle

$2.50M

26.0 yrs — age 56 (2052)

Coast FIRE

Stop saving now, retire at 65 on growth alone

$117k

43% of the way

Once you hit FI at age 48, each extra year of work grows your nest egg and boosts your retirement income. Working 5 extra years past your FIRE date would raise your monthly income by $2,340/mo — but with diminishing returns each year.

Get more tools and guides

One useful email each Friday. Free, no spam, unsubscribe anytime.