Plan your journey to Financial Independence and Early Retirement. Calculate your FIRE number, track progress, and discover strategies to retire decades earlier than traditional retirement.
FIRE math backed by live data
Withdrawal rates, COLA adjustments, and safe-income assumptions reference SSA, IRS, and BLS benchmarks so every projection matches current policy.
Benchmarks refreshed monthly after CPI and SSA updates plus annually after IRS contribution changes.
Compliance & privacy checklist
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Document spending, withdrawal rate, investment mix, and monitoring so work-optional life stays funded.
Categorize essential vs. discretionary costs, map healthcare, and add one-off goals like sabbaticals or relocation.
Model savings rate increases, geo-arbitrage ideas, and tax-advantaged buckets to hit your FIRE number faster.
Balance index funds, bonds, and cash buckets so 3-5 years of spending is safe while the rest compounds.
Pipe the numbers into ROI and AI planners for scenario tests, then refresh after each market or lifestyle shift.
3% = Very Conservative | 4% = Traditional | 5% = Aggressive
FIRE Number
FIRE Number
$1,250,000
Years to FIRE
18
FIRE Age
48
Progress
8%
Feasibility: Achievable
Great! You're on track to reach FIRE by age 48.
Real-world handoffs that connect this tool with ROI, AI, and reverse calculators.
Dual-income parents targeting part-time work within 8 years.
Wants part-time consulting income to cover healthcare and travel.
FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to achieve financial independence and retire much earlier than traditional retirement age, typically in your 30s, 40s, or 50s.
Your FIRE number = Annual expenses × 25
Examples:
Withdraw 4% of portfolio annually, adjusted for inflation
Safe Withdrawal Rates:
Living on $20,000-40,000/year. Requires significant lifestyle adjustments, minimalism, and geographic arbitrage. Popular with singles and couples without children.
Living on $40,000-100,000/year. Comfortable middle-class lifestyle without luxury. Can afford occasional travel, hobbies, and moderate spending.
Living on $100,000+/year. No lifestyle compromises, luxury travel, expensive hobbies, private schools, and high-cost-of-living areas.
Save aggressively early, then "coast" with part-time work covering expenses while investments grow. Provides work flexibility without full retirement.
Similar to Coast FIRE but specifically working part-time for health insurance benefits while drawing minimal amounts from investments.
| Savings Rate | Years to FIRE | Required Income Multiple |
|---|---|---|
| 10% | 51 years | 1.1x current income |
| 25% | 32 years | 1.3x current income |
| 50% | 17 years | 2x current income |
| 65% | 10.5 years | 2.9x current income |
| 75% | 7 years | 4x current income |
*Assumes 5% real return and 4% withdrawal rate
The 4% rule, based on the Trinity Study, has historically worked for 30-year retirements. For longer retirements (40-50+ years), consider a more conservative 3.5% or even 3% withdrawal rate. Also factor in flexibility to reduce spending during market downturns and the ability to earn income if needed.
Options include: ACA marketplace plans (with potential subsidies based on income), part-time work for benefits (Barista FIRE), spouse's employer coverage, health sharing ministries, or geographic arbitrage to countries with affordable healthcare. Budget $500-1,500/month per person for US healthcare.
Several strategies exist: Roth IRA conversion ladder (5-year waiting period), Rule 72(t) SEPP (Substantially Equal Periodic Payments), withdraw Roth IRA contributions (not earnings) anytime, and use taxable investment accounts for the first years of retirement.
FIRE is about financial independence, not mandatory retirement. Many pursue passion projects, volunteer work, part-time consulting, travel, hobbies, or start businesses without financial pressure. The goal is freedom to choose how you spend your time, not to stop being productive.
Datasets powering savings rate, spending, and withdrawal assumptions.
Social Security Administration (SSA)
Benefit estimators, COLA forecasts, and claiming-age reductions used in the income projections.
Bureau of Labor Statistics CPI & medical index
Inflation and healthcare cost assumptions for lean vs. fat FIRE scenarios.
Fidelity & Vanguard retirement benchmarks
Contribution rates, median balances, and catch-up participation data.
Cadence: SSA/IRS annually, CPI monthly, plan benchmarks quarterly.
Examples are educational only and not individualized fiduciary advice.
Use ROI and reverse calculators to translate withdrawal rates into cash-flow reminders, taxes, and rebalancing tasks.