FIRE
FIRE Calculator
Financial independence calculator: your FIRE number, years to reach it and the age you can retire early.
FIRE number = spending ÷ SWR
Also called financial independence calculator · fi calculator
Personal Finance · 8 calculators
FIRE Calculators
Financial Independence, Retire Early: FIRE number, Lean, Fat, Coast and Barista FIRE, savings rate and years to FI.
FIRE
FIRE Number Calculator
Your FIRE number — 25× (or 1 ÷ withdrawal rate ×) annual spending — plus your progress and time to reach it.
FIRE number = annual spending ÷ withdrawa…
Also called financial independence number · 25x rule
FIRE
Lean FIRE Calculator
Lean FIRE target for a frugal retirement on a lower budget (typically under $40k/year), with time to reach it.
FIRE number = annual spending ÷ withdrawa…
Also called lean fi · frugal fire
FIRE
Fat FIRE Calculator
Fat FIRE target for a comfortable early retirement on a higher budget, with a conservative withdrawal rate.
FIRE number = annual spending ÷ withdrawa…
Also called fat fi · luxury early retirement
FIRE
Coast FIRE Calculator
Have you reached Coast FIRE? Find the amount that, left to grow untouched, funds retirement at your target age.
Coast number = FIRE number ÷ (1 + r)^(yea…
Also called coast fire number · coast retirement calculator
FIRE
Barista FIRE Calculator
Barista FIRE: the smaller portfolio you need when part-time work covers some of your living costs.
FIRE number = annual spending ÷ withdrawa…
Also called barista fi · semi retirement calculator
FIRE
Savings Rate Calculator
Calculate your savings rate from income and spending, and how many years to financial independence it implies.
Savings rate = (income − spending) ÷ inco…
Also called personal savings rate · how much of income to save
FIRE
Safe Withdrawal Rate Calculator
Apply the 4% rule (or any rate) to see a sustainable first-year withdrawal and the portfolio needed for your spending.
Withdrawal = portfolio × rate
Also called 4 percent rule · swr calculator
Key fire formulas
| FIRE | FIRE number = spending ÷ SWR |
|---|---|
| FIRE Number | FIRE number = annual spending ÷ withdrawal rate (≈ 25× spending at 4%) |
| Lean FIRE | FIRE number = annual spending ÷ withdrawal rate (≈ 25× spending at 4%) |
| Fat FIRE | FIRE number = annual spending ÷ withdrawal rate (≈ 25× spending at 4%) |
| Coast FIRE | Coast number = FIRE number ÷ (1 + r)^(years to retirement) |
| Barista FIRE | FIRE number = annual spending ÷ withdrawal rate (≈ 25× spending at 4%) |
| Savings Rate | Savings rate = (income − spending) ÷ income |
| Safe Withdrawal Rate | Withdrawal = portfolio × rate |