finance-fire

Calculate your FI number for Lean, Fat, Coast, and Barista FIRE by inputting your current age, spending, savings rate, and portfolio. The tool applies variant-specific target multiples and withdrawal rates to project your financial independence threshold across each lifestyle tier.

Coast FIRE calculates when your current portfolio will grow to your FI number without further contributions, whereas Barista FIRE calculates the point where part-time work covers your living expenses while your portfolio continues to compound toward full financial independence.

Geographic arbitrage optimizes your timeline by modeling the impact of relocating to a lower cost-of-living area. This reduces your annual expenses, which lowers your target FI number and accelerates your time-to-FIRE calculation.

Compare early retirement withdrawal strategies using the 4%, 3.5%, Guyton-Kessinger (GK) guardrails, or dynamic methods. The tool evaluates sequence-of-returns risk against each strategy to help you establish safe guardrails for your withdrawals.

Project year-by-year portfolio growth for early retirement by providing your current age, savings rate, and portfolio balance. The tool generates an annual compounding timeline that maps exactly when you cross your FI number thresholds.

You can use this FIRE calculator with any savings rate, including high rates of 60% to 80%. The model accurately reflects the exponential reduction in years to FIRE, projecting timelines as short as 5.5 years for an 80% savings rate.