FIRE Calculator by Age
Customized FIRE strategies and timelines for every life stage. Calculate your path to financial independence based on your current age.
FIRE in Your 20s
Ages 22-29 • Maximum time advantage
Key Advantages
- • 40+ years of compound growth
- • Lower living expenses typically
- • Career growth potential
- • Risk tolerance for aggressive investing
Recommended Strategy
Savings Rate:
20-40% of income
Timeline:
15-25 years to FI
Best FIRE Type:
Any - full flexibility
Investment Focus:
Growth stocks, index funds
Action Steps
- 1. Start with any amount - even $50/month
- 2. Maximize employer 401k match
- 3. Open Roth IRA for tax-free growth
- 4. Focus on income growth and skill development
- 5. Keep lifestyle inflation minimal
Example Scenario
25-year-old earning $50K, saving 25% ($12.5K/year)
At 45
$1.2M
FIRE Number
$1M
Retirement
Age 43
FIRE in Your 30s
Ages 30-39 • Peak earning potential
Key Advantages
- • Higher income than 20s
- • 25-35 years to compound
- • Career stability developing
- • Financial discipline established
Recommended Strategy
Savings Rate:
40-60% of income
Timeline:
10-20 years to FI
Best FIRE Type:
Traditional or Fat FIRE
Investment Focus:
Balanced growth portfolio
Action Steps
- 1. Aggressively increase savings rate
- 2. Max out 401k and IRA contributions
- 3. Consider taxable investment accounts
- 4. Optimize taxes and expenses
- 5. Consider real estate investment
Example Scenario
35-year-old earning $80K, saving 50% ($40K/year)
At 50
$1.8M
FIRE Number
$1.5M
Retirement
Age 48
FIRE in Your 40s
Ages 40-49 • Catch-up time
Key Considerations
- • 15-25 years to compound
- • Peak earning years
- • Family financial obligations
- • Need for aggressive approach
Recommended Strategy
Savings Rate:
50-70% of income
Timeline:
15-20 years to FI
Best FIRE Type:
Coast or Barista FIRE
Investment Focus:
Balanced with some bonds
Action Steps
- 1. Use catch-up contributions ($7,500 extra)
- 2. Eliminate all debt aggressively
- 3. Consider Coast FIRE as primary target
- 4. Maximize high-income years
- 5. Plan for healthcare bridge insurance
Example Scenario
45-year-old earning $120K, saving 60% ($72K/year)
At 60
$2.1M
FIRE Number
$1.8M
Retirement
Age 58
FIRE in Your 50s
Ages 50-59 • Enhanced traditional retirement
Realistic Goals
- • 10-15 years to traditional retirement
- • Focus on Coast FIRE achievement
- • Enhanced retirement lifestyle
- • Bridge to Medicare at 65
Recommended Strategy
Savings Rate:
60%+ of income
Timeline:
10-15 years to FI
Best FIRE Type:
Coast FIRE primarily
Investment Focus:
Conservative growth
Action Steps
- 1. Maximize catch-up contributions
- 2. Pay off mortgage before retirement
- 3. Plan healthcare transition strategy
- 4. Consider Roth conversions
- 5. Create bridge income plan
Example Scenario
55-year-old earning $150K, saving 70% ($105K/year)
At 65
$2.8M
Coast Target
$2M
Coast Achieved
Age 62
Calculate Your Age-Specific FIRE Plan
Traditional FIRE Calculator
Calculate your basic FIRE number and timeline based on your current age and savings rate.
Start CalculatingCoast FIRE Calculator
Perfect for 40s and 50s starters. Calculate how much you need to coast to traditional retirement.
Calculate Coast FIREBarista FIRE Calculator
Ideal for career changers. Calculate semi-retirement with part-time income supplement.
Calculate Barista FIREUniversal FIRE Principles by Age
Time-Based Advantages
- Starting at 25: Can retire by 45 with 25% savings rate
- Starting at 35: Can retire by 50 with 50% savings rate
- Starting at 45: Can achieve Coast FIRE by 55
- Starting at 55: Can enhance traditional retirement significantly
Age-Agnostic Success Factors
- • Start immediately regardless of amount
- • Automate investments to remove emotion
- • Focus on income growth alongside savings
- • Minimize lifestyle inflation as income rises
- • Stay consistent through market ups and downs