🔵 Lean FIRE
Minimalist lifestyle target for a lighter spending base.
$NaN
$NaN × 20
Financial Independence Planning
FIRE Calculator — When Can You Retire Early?
Model your FIRE target in today's dollars, compare Lean, Fat, Coast, and Barista paths, and see your portfolio trajectory across pessimistic, base, and optimistic scenarios.
Inputs
Build your FIRE plan
Projections use an inflation-adjusted return so the chart and targets stay in today's dollars.
Result
Regular FIRE
$NaN
FIRE number = annual retirement spending × 25 using the classic 4% withdrawal rule.
❌ Not yet — plan needs work to go
Projected wealth at undefined
$NaN
Estimated years before FIRE
Beyond age 100
Estimated FIRE age
N/A
Real return after inflation
NaN%
Variants
Five FIRE flavors, one decision lens
Compare a lower-spend path, the classic 4% rule, a larger Fat FIRE lifestyle, a Coast FIRE checkpoint, and a Barista setup with partial monthly income.
🟢 Regular FIRE
Classic 4% rule benchmark for full financial independence.
$NaN
$NaN × 25
🟡 Fat FIRE
Extra margin for travel, comfort, and higher optionality.
$NaN
$NaN × 33
🟣 Coast FIRE
What you would need today if you stopped adding new savings now.
$NaN
Required now to hit $NaN by age undefined
🟤 Barista FIRE
Assumes $500/month of part-time income reducing your portfolio draw.
$NaN
$NaN annual draw after side income
Projection Chart
How your plan compounds over time
The horizontal line is your regular FIRE number. The three curves show real purchasing power with a pessimistic return, your base case, and an optimistic return.
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🎲 Monte Carlo Simulation — Pro Feature
Run 1000 simulations to see your probability of success.
Next Step
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