Financial independence (FIRE): at what age can you stop?
Enter your capital, your monthly investment and your lifestyle, then choose the kind of financial independence you are aiming for.
Type of FIRE
What is FIRE?
FIRE stands for Financial Independence, Retire Early. The idea: build enough invested capital that its returns cover your living costs, so work becomes a choice. The calculator estimates the capital you need and the age at which you can get there.
The 4% rule and the FIRE number
The common benchmark is the 4% rule: you can withdraw about 4% of your portfolio each year with a low risk of running out. Your FIRE number is therefore about 25 times your annual spending. With 30,000 a year of expenses, the target is 750,000.
Lean, Regular, Fat, Barista and Coast FIRE
Lean FIRE targets a frugal lifestyle; Regular FIRE keeps your current spending; Fat FIRE allows a more comfortable budget. Barista FIRE assumes a part-time income still covers part of your costs. Coast FIRE means you have saved enough that, without new deposits, growth alone will reach your target by retirement age.
Limits of the estimate
Returns are never guaranteed, inflation erodes purchasing power, and taxes and pensions vary by country. Treat the result as an order of magnitude, test a lower return, and revisit it every year.
Frequently asked questions
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