🔥 Early Retirement & Wealth Freedom
FIRE Calculator (Financial Independence, Retire Early)
Determine your target FIRE portfolio number, years to retirement, and safe annual withdrawal rate across Lean, Regular, and Fat FIRE milestones.
Your Financial Profile
Target FIRE Number (Portfolio Goal)
$1,250,000
FIRE Milestones Breakdown:
Lean FIRE (75%)
$937,500
14.8 yrs
Standard FIRE
$1,250,000
17.4 yrs
Fat FIRE (150%)
$1,875,000
21.6 yrs
📊 Monthly Passive Withdrawal:
At your target portfolio size of $1,250,000, you can sustainably withdraw $4,167 / month ($50,000 / year) indefinitely.
The Mathematics of FIRE
The core formula for Financial Independence relies on your annual expenses and chosen Safe Withdrawal Rate ($SWR$):
$$\text{FIRE Number} = \frac{\text{Annual Expenses}}{SWR} = \text{Annual Expenses} \times 25 \quad (\text{at } 4\% SWR)$$
- Lean FIRE: Covers strictly bare-bones living costs (typically $\$30,000 - \$40,000/\text{year}$).
- Standard FIRE: Replaces your current middle-class lifestyle with complete freedom.
- Fat FIRE: Provides an abundant lifestyle with luxury travel and discretionary buffer ($\$100,000+/\text{year}$).