FIRE Calculator
Financial Independence, Retire Early PlanYour FIRE Milestone
Target FIRE Portfolio Number
$900,000
14.2 Years to FIRE (Retire at Age 42)
Annual Savings Amount:$39,000 / yr
Savings Rate:52.0%
LeanFIRE Target (75% exp):$675,000
FatFIRE Target (150% exp):$1,350,000
Frequently Asked Questions
The 4% Rule (based on the Trinity Study) states that you can safely withdraw 4% of your investment portfolio each year in retirement without running out of money for at least 30+ years. The 25x Rule means your FIRE Target Number is simply
Annual Living Expenses × 25.
• LeanFIRE: Retiring on a frugal, minimalist lifestyle budget (e.g. expenses ≤ $40,000/yr).
• Standard FIRE: Retiring with your current middle-class lifestyle maintained intact.
• FatFIRE: Retiring with an abundant luxury budget (e.g. expenses ≥ $100,000/yr).
• CoastFIRE: Having enough saved in retirement funds early on so that compound interest alone reaches your retirement target by age 65 without saving another penny.
• Standard FIRE: Retiring with your current middle-class lifestyle maintained intact.
• FatFIRE: Retiring with an abundant luxury budget (e.g. expenses ≥ $100,000/yr).
• CoastFIRE: Having enough saved in retirement funds early on so that compound interest alone reaches your retirement target by age 65 without saving another penny.