All FIRE Calculators in One Place

Six free calculators covering every flavor of Financial Independence, Retire Early — pick the one that matches your lifestyle and run the numbers.

Traditional FIRE Calculator

$1M–$2M target · 25× expenses · Best for: Most people pursuing early retirement

The original FIRE: invest until 25× your annual expenses, then live off a 4% withdrawal rate. Simple, well-tested, fits most lifestyles.

$750K–$1M target · $30–40K/yr · Best for: Frugal lifestyles, geographic arbitrage

Reach FIRE faster by minimizing expenses. Lower spending means a smaller portfolio — and an earlier retirement age.

Varies by age · stop saving to coast · Best for: Aggressive young savers, career flexibility

Front-load retirement savings, then stop. Compound growth carries you to a full FIRE number by traditional retirement age.

$500K–$750K + part-time work · Best for: Career changers, healthcare bridge needs

A hybrid: part-time work covers current expenses (and often health insurance) while your investments grow toward full FIRE.

$2.5M+ target · $100K+/yr spending · Best for: High earners, luxury lifestyle in retirement

Early retirement without lifestyle constraints. Larger portfolio, higher target spending, more cushion against sequence-of-returns risk.

Combined target · joint contribution limits · Best for: Dual-income households

Joint planning: combine two incomes, shared expenses, and doubled tax-advantaged contribution room into one synchronized retirement plan.

Years to FIRE based on your savings rate

Portfolio ↔ safe withdrawal, adjustable SWR

Quick: monthly expenses → portfolio target

Same engine as home, framed around retirement age

Same engine, framed around independence (FI without RE)

Targets, timelines, and trade-offs across all 6 strategies

Strategy guide for 20s, 30s, 40s, and 50s

Assumptions, formulas, and data sources