FIRE Calculator (Financial Independence, Retire Early)
Calculate when you can achieve financial independence and retire early
FIRE Parameters
Path to Financial Independence
Your FIRE Journey
FIRE Number
$1,250,000
25x annual expenses
Years to FIRE
17
at current savings rate
FIRE Age
47
years old
CoastFIRE Number
$117,078.674
Stop saving now, let it grow until 65
Annual Savings
$32,000
40% of income
Ways to Accelerate Your FIRE Journey:
- • Increase savings rate by 10% → FIRE in 15 years
- • Reduce expenses by 20% → FIRE number: $1,000,000
- • Side hustle earning $20k/year → FIRE in 15 years
Get Your Personalized Analysis
Access detailed insights and recommendations based on your inputs
Get expert guidance tailored to your financial goals
Understanding the Concept
FIRE involves saving aggressively (typically 50%+ of income) to accumulate enough wealth to retire early. The 4% rule suggests you need 25x your annual expenses saved to retire safely.
Tips to Optimize
- •Track expenses ruthlessly to maximize savings rate
- •Invest in low-cost index funds for steady growth
- •Consider geographic arbitrage and lifestyle optimization
- •Plan for healthcare costs before Medicare eligibility