Free online FIRE (Financial Independence, Retire Early) Simulator. Input income, expenses & savings rate to calculate years to FI and target portfolio. Supports Lean FIRE, Fat FIRE, Coast FIRE & Barista FIRE variants.
Zero-dependency Β· Works offlineπ’ Input Parameters
Annual after-tax household income
Current total annual expenses
Current investment portfolio
S&P 500 real return ~7%
Safe withdrawal rate in retirement
π Savings Rate
-
Annual savings as % of income
π― FI Target Number
-
Portfolio needed for FI
β±οΈ Years to FI
-
Estimated with current savings rate
π FI Retirement Age
-
Assuming starting at 25
π° Annual Savings
-
Income minus expenses
π FI Progress
-
Current portfolio / FI target
π About the FIRE Movement
What is FIRE?
Financial Independence, Retire Early. Core principle: save 50%+ of income, invest in low-cost index funds, accumulate 25x annual expenses for retirement.
FIRE Variants
Lean FIRE: minimalist retirement. Fat FIRE: affluent retirement. Barista FIRE: semi-retired with part-time work. Coast FIRE: enough saved, no need to contribute more.