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FIRE Calculator
Calculate when you can achieve Financial Independence and Retire Early
Years to FIRE
15y 4m
Age 45
FIRE Number
$1,250,000
Traditional FIRE - Current lifestyle
Savings Rate
37.5%
$2,500/month
FIRE Status
Getting Started
12.0% complete
Current Situation
Your target retirement expenses
Traditional FIRE - Current lifestyle
FIRE Progress: Getting Started
You're just beginning your FIRE journey
12.0% of FIRE number achieved
Savings Analysis
Monthly Savings: $2,500
Savings Rate: 37.5%
Time to FIRE: 15y 4m
FIRE Age: 45
Investment Assumptions
Annual investment return before inflation
Real return: 4.5%
Safe withdrawal rate in retirement
Estimated annual healthcare costs in retirement
Coast FIRE Analysis
Coast FIRE Number: $267,818
Status: Not Yet
Coast FIRE Age: 33
Amount needed now to grow to FIRE number by age 65
FIRE Strategy Comparison
Lean FIRE - Minimal lifestyle: $875,000
Traditional FIRE - Current lifestyle: $1,250,000
Fat FIRE - Luxury lifestyle: $1,875,000
Barista FIRE - Part-time work: $625,000
Coast FIRE - No more saving needed: $1,250,000
Results & Analysis
Retirement Income Strategy
Annual Withdrawal: $50,000
Monthly Income: $4,167
Healthcare Costs: -$12,000
Estimated Taxes: -$5,250
Net Spending Power: $32,750
💡 Recommendations
- • Focus on reaching Coast FIRE: $267,818
- • Maximize tax-advantaged accounts (401k, IRA, HSA)
- • Consider geographic arbitrage to reduce expenses
Social Security Planning
Bridge needed: 22 years until Social Security
🎯 Achievement Milestones
25% to FIRE: $312,500
50% to FIRE: $625,000
75% to FIRE: $937,500
Coast FIRE: $267,818
Full FIRE: $1,250,000
Savings Rate Impact Analysis
| Savings Rate | Years to FIRE | FIRE Age | Monthly Savings | Lifestyle Impact |
|---|---|---|---|---|
| 10.0% | 28y 5m | 58 | $667 | Comfortable |
| 15.0% | 25y 3m | 55 | $1,000 | Comfortable |
| 20.0% | 22y 7m | 53 | $1,333 | Moderate |
| 25.0% | 20y 3m | 50 | $1,667 | Moderate |
| 30.0% | 18y 2m | 48 | $2,000 | Moderate |
| 35.0% | 16y 3m | 46 | $2,333 | Moderate |
| 40.0% | 14y 5m | 44 | $2,667 | Aggressive |
| 45.0% | 12y 9m | 43 | $3,000 | Aggressive |
| 50.0% | 11y 2m | 41 | $3,333 | Aggressive |
| 55.0% | 9y 8m | 40 | $3,667 | Aggressive |
| 60.0% | 8y 3m | 38 | $4,000 | Aggressive |
| 65.0% | 6y 11m | 37 | $4,333 | Aggressive |
| 70.0% | 5y 7m | 36 | $4,667 | Aggressive |
FIRE Strategy Guide
Increasing Your Savings Rate
- • Track and optimize your expenses
- • Increase income through side hustles
- • Consider geographic arbitrage
- • Minimize taxes with smart strategies
- • Avoid lifestyle inflation as income grows
Investment Strategies
- • Max out tax-advantaged accounts first
- • Use low-cost index funds
- • Maintain appropriate asset allocation
- • Consider tax-loss harvesting
- • Plan for healthcare costs in early retirement