Calculate how long until you reach Financial Independence and can Retire Early (FIRE). Based on the 4% rule. Enter expenses, savings rate, and net worth to see your FIRE timeline.
FIRE Movementπ° Financial Data
All living expenses
All investments + savings
S&P 500 long-term avg ~7-10%
Traditional 4% rule
π― FIRE Number
-
Expenses Γ 25 (4% rule)
π
FIRE Age
-
-
πΎ Annual Savings
-
Savings Rate: -
πΏ Coast FIRE Age
-
No more saving needed to retire at 65
π Lean FIRE
-
Expenses Γ 20 (frugal)
π₯ Fat FIRE
-
Expenses Γ 35 (abundant)
π FIRE Levels Explained
Lean FIRE (Frugal FI)
Expenses Γ 20. Minimalist lifestyle. For low spenders targeting <$40,000/yr.
Regular FIRE (Standard FI)
Expenses Γ 25 (4% rule). Maintain current lifestyle. Most common target.
Fat FIRE (Abundant FI)
Expenses Γ 35. Generous spending room. Targeting $100,000+/yr expenses.
Coast FIRE (Coasting FI)
Enough principal to reach FIRE by age 65 without additional saving.