FIRE Calculator
Find your Financial Independence number and see when you reach each FIRE milestone.
Your Situation
Current Portfolio
$
Annual Finances
$
$
Implied income: $70,000.00 · Savings rate: 29%
LeanFIRE spending: $37,500.00 · FatFIRE spending: $75,000.00
Growth & Withdrawal
%
7% ≈ historical S&P 500 after inflation
%
4% rule: withdraw 4% of portfolio/yr — historically survives 30+ years
At your current pace you reach FIRE at age 54 — 24 years away.
FIRE Milestones
LeanFIRE
Early retirement on 75% of current spending — tight budget but full freedom.
$937,500.00
Age 51
FIRE
Full financial independence at your current lifestyle.
$1,250,000.00
Age 54
FatFIRE
FI with 150% of current spending — no lifestyle compromises.
$1,875,000.00
Age 59