Financial Independence Calculator
FIRE Calculator
Find your FIRE number, see how many years until financial independence, and explore Coast FIRE, Barista FIRE, Lean FIRE, and Fat FIRE targets. Built on the 25x rule and the 4% safe withdrawal rate.
Your Numbers
How old are you today?
Gross pre-tax annual income
This drives your FIRE number
Total invested assets (401k + IRA + brokerage)
7% = historical S&P 500 (inflation-adjusted)
4% is the standard (Trinity Study)
Expected annual raise/income growth
Savings Rate
40.0%
Annual Savings
$30,000
Good -- above average
Your FIRE Results
FIRE Number
$1.13M
$45,000/yr / 4%
Years to FIRE
15
With compound growth
FIRE Age
45
Age 30 + 15 years
Monthly Savings Needed
$3,273
To hit FIRE number on schedule
Savings Rate
40.0%
$30,000/yr saved
FIRE Variants
Regular FIRE
$1.13M
$45,000/yr at 4% SWR
Age 45 (15 years)
Lean FIRE
$900.0K
80% of expenses ($36,000/yr)
Age 43 (13 years)
Fat FIRE
$1.69M
150% of expenses ($67,500/yr)
Age 49 (19 years)
Coast FIRE
$105.4K
Invest this now, let it grow to 65
Need $55.4K more
Barista FIRE
If you stopped saving today and let your $50.0K grow, you'd need $4,277/year in part-time income to bridge the gap to full FIRE by 65. That's $356/month — easily achievable with part-time work, freelancing, or a side hustle.
Path to Financial Independence
Financial Independence at Age 45
15 years to FIRE. Your $1.13M target is ambitious but completely achievable at a 40% savings rate. Every raise, every expense cut, every side hustle accelerates the timeline. I ran a hedge fund — trust me, the best investment is the one you actually stick with.
— Glen Bradford, former hedge fund manager
How You Compare
Avg. American Savings Rate
8%
You: 40%
5.0x the national average
Avg. Retirement Age
64
You: 45
19 years ahead of average
Median Net Worth by Age
Source: Federal Reserve Survey of Consumer Finances
Year-by-Year Projections
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Disclaimer: This calculator is for educational purposes only. It uses simplified models and does not account for taxes, inflation variability, market volatility, healthcare costs, or your specific financial situation. Past returns do not guarantee future results. Consult a qualified financial advisor before making investment decisions. Or just buy index funds and wait.
Frequently Asked Questions
Recommended Resources
Tools & books I actually use and recommend
Interactive Brokers
Low commissions, global market access, and professional-grade tools. This is where I hold my positions.
Open an AccountA Random Walk Down Wall Street
Burton Malkiel's classic case for index investing. The book that convinced millions to stop stock-picking.
View on AmazonThe Intelligent Investor
Ben Graham's timeless guide to value investing. The book Warren Buffett calls "the best investing book ever written."
View on AmazonSome links above are affiliate links. I only recommend products I personally use. See my full disclosures.
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