Free FIRE Calculator — No sign-up required

Discover Your Financial Independence Number

Calculate your personalized FIRE number, visualize your path to early retirement, and learn proven strategies — all in one place. No spreadsheets required.

No personal data stored
Based on 50+ yrs of research
Instant results
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The Numbers Behind FIRE

Financial independence is based on decades of academic research, historical market data, and thousands of real-world success stories.

25x
Your FIRE Number
Annual expenses × 25 = your financial independence target
4%
Safe Withdrawal Rate
The withdrawal rate backed by 50+ years of research
$1M+
Avg FIRE Portfolio
The median portfolio size for those achieving FIRE
15-20
Years to FIRE
Typical timeline for dedicated FIRE seekers with a 50%+ savings rate
Choose Your Path

Which FIRE Type Fits You?

FIRE is not one-size-fits-all. There are several approaches depending on your lifestyle goals, income, and risk tolerance.

🌱

Lean FIRE

< $40K/yr

Freedom through frugality

Achieve financial independence on a minimal budget. Perfect for minimalists who value freedom over luxury.

☕

Barista FIRE

$40-60K/yr

Part-time work, full-time freedom

Build a portfolio to cover most expenses, then supplement with enjoyable part-time work.

🔥

Regular FIRE

$60-100K/yr

The classic path to independence

Full financial independence. Never need to work again, living comfortably on 4% annual withdrawals.

💰

Fat FIRE

$100K+/yr

Retire abundantly

Retire on $100K+ per year. Maximum comfort and flexibility with a portfolio of $2.5M+.

🏄

Coast FIRE

Any amount

Save now, coast later

Save aggressively early so compound growth handles your retirement — then work only to cover expenses.

🎯

Not Sure Which?

Use our calculator to find out which FIRE type matches your current lifestyle and goals.

Calculate My Type
How It Works

Your FIRE Journey in 4 Steps

Everything you need to plan and achieve financial independence is right here.

01

Calculate Your FIRE Number

Enter your income, expenses, age, and dependents. Our calculator instantly shows your personalized FIRE number using the proven 4% rule and inflation adjustments.

Try the Calculator →
02

Learn the Strategies

Understand the different FIRE approaches — Lean, Fat, Coast, and Barista FIRE. Learn about the 4% rule, safe withdrawal rates, and the research behind FIRE.

Start Learning →
03

Explore Curated Resources

Access our hand-picked collection of the best FIRE blogs, books, podcasts, tools, and research — all with full credits to the original creators.

Browse Resources →
04

Build Your FIRE Plan

Armed with your number, a strategy, and the right resources, you have everything you need to start your FIRE journey and achieve financial independence.

Get Started →
Quick FIRE Estimate

What's Your FIRE Number?

Get an instant estimate. Use the full calculator for a personalized projection.

$
$500$15,000

Each dependent adds ~20% to your expense estimate

Your Estimated FIRE Number

$1,050,000

Adj. Annual Expenses: $42,000Safe Withdrawal Rate: 4%

Includes age-based messaging, Coast FIRE, milestone timeline & more