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Discover your path to financial independence. Calculate your FIRE number, track your progress, and explore all five FIRE variants to find your optimal timeline.
Historical stock market average: ~7% after inflation
The 4% rule: withdraw 4% yearly for a 30-year retirement
US historical average: ~3%
Exploring FIRE this early? You're already thinking bigger than most. Let's map it out.
Getting there
Savings Rate
0.0%
$2,500/month × 7.0% returns = freedom
Target Age
0
Years to FIRE
0.0 years
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Traditional FIRE
Retire on your current lifestyle—portfolio covers all expenses.
Lean FIRE
Minimalist path—$40K/year lifestyle. Fastest way to independence.
Fat FIRE
Comfortable living—portfolio funds 2x current expenses. Life without compromise.
Barista FIRE
Work part-time for half expenses; portfolio covers the rest. Best of both worlds.
Stop saving now. Your existing portfolio grows to FIRE by age 65. Lowest stress path.
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Example output — not real data
🔥
$625K
Lean FIRE
🛑
Reached!
Coast FIRE
🎯
62% there
Fat FIRE
Lean, Traditional, Fat, Barista & Coast — tracked simultaneously
See exactly how savings rate changes affect your FIRE date
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FIRE stands for Financial Independence, Retire Early. It's a movement focused on achieving financial independence—where your investments generate enough income to cover your expenses—so you can retire decades earlier than traditional retirement.
The 4% safe withdrawal rate comes from research showing that you can withdraw 4% of your portfolio annually (adjusted for inflation) and maintain an extremely high success rate (95%+) of not running out of money over a 30-year retirement. This is the industry standard for sustainable withdrawals.
Savings rate is crucial. At 50% savings rate, you'll hit FIRE in ~17 years. At 70%, ~7 years. The higher your savings rate, the faster your path to independence. This is why the FIRE community obsesses over it.
Yes! Many FIRE pursuers transition to part-time work or passion projects once their portfolio covers half their expenses. This eliminates the pressure to work full-time while your money continues growing, and you get to spend more time on what matters.
Our calculator shows all numbers in today's dollars, adjusted for your expected inflation rate. This means a $1M FIRE number in today's dollars accounts for future inflation, so you can compare directly to your current lifestyle.
Pro Tip
Run multiple scenarios. Change your expected return, inflation, or spending assumptions to see how sensitive your FIRE date is to each variable. Stress-testing your plan reveals what you can control.
Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.