FIRE financial independence retire early calculator

FIRE — Financial Independence, Retire Early — is the goal of building enough invested wealth that its returns cover your living expenses, freeing you from needing to work. This calculator computes your FIRE number (the target corpus) from your annual expenses and a safe withdrawal rate, and shows milestones for the common variants: Lean, Fat and Coast FIRE.

The core idea rests on the safe-withdrawal-rate concept — commonly the 4% rule — which implies a corpus of roughly 25 times your annual expenses. The variants tailor that: Lean FIRE assumes frugal living, Fat FIRE a more comfortable lifestyle, and Coast FIRE the point where existing savings will grow to your target without further contributions, so you only need to cover current costs.

It runs in your browser, so your figures stay private. FIRE projections depend on assumptions about returns, inflation and spending that will not hold exactly, so use it to set targets and track progress rather than as a guarantee.