Calculate Your FIRE Number
Get a personalized projection based on your age, income, expenses, and dependents. Results update instantly — no sign-up required.
Your Information
Your age today
When you want to FIRE
Gross annual salary
Total invested assets today
All monthly spending (before dependents adjustment)
Each adds 20% to expense estimate
Historical stock market avg: 7% (inflation-adjusted)
Historical avg: 2-3%
Great start! Time is your biggest asset. Increasing your savings rate even slightly will dramatically accelerate your FIRE date.
Your Results
Your FIRE Number
$1,050,000
Inflation-adjusted: $2,198,467
Based on $42,000/yr
Years to FIRE
20 yrs
Age 50
Monthly Savings
$3,583
50.6% savings rate
Required Monthly
$2,537
to hit target on time
Coast FIRE Number
$193,462
stop saving, still retire
Adj. Monthly Expenses
$3,500
with dependents
Portfolio at Target Age
$3.0M
✓ Meets FIRE number
Visualizations
Portfolio vs. FIRE Number
FIRE Number Breakdown
Current Portfolio
$25,000
Future Contributions
$608,880
Compound Growth
$416,120
Milestone Timeline
First major milestone
Can stop saving, still retire
Halfway to financial independence
Almost there!
Financial independence achieved!
Your FIRE Type
Barista FIRE
Based on $42,000/year in expenses
Your expense level suggests Barista FIRE — build a portfolio, then supplement with part-time work you enjoy.
This calculator is for educational purposes only and does not constitute financial advice. Results are based on simplified models and historical averages. Consult a licensed financial advisor before making investment decisions.