The FIRE Movement Guide: Financial Independence, Retire Early
A practical breakdown of the FIRE math, lifestyle tradeoffs, and paths real people use to escape the 9-to-5.
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Model your Financial Independence, Retire Early path.
Understanding This Calculator
FIRE combines aggressive saving, disciplined investing, and a low-expense lifestyle to reach financial independence potentially decades before the traditional retirement age.
Core Formula
FIRE Number = Annual Expenses × 25 (4% rule)
How much do I need to retire early?
A common FIRE target is 25× your annual expenses. Lean FIRE, Fat FIRE, and Coast FIRE each adjust the target based on lifestyle goals.
What rate of return should I assume?
Most FIRE planners use 6–7% real (after-inflation) long-term equity returns, stress-testing with 4–5% to be conservative.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.
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