FIRE Calculator - Calculate Your Financial Independence Number

A fire calculator helps you calculate your fire number - the amount you need to achieve financial independence and retire early. To calculate fire number, multiply your annual expenses by 25 (based on the 4% rule). For example, if you spend $50,000/year, your fire number is $1,250,000. Our fire calculator automates this calculation and shows when you will reach your fire number.

The coast fire calculator determines when your retirement portfolio is large enough to grow to your fire number without additional contributions. Our coast fire calculator projects your portfolio growth using expected returns. Coast fire means you can stop saving for retirement and let your existing retirement portfolio grow through compound interest while covering current expenses through work.

Barista fire means having enough in your retirement portfolio to cover 50% of expenses, with part-time work covering the rest. Our barista fire calculator shows when you reach half your fire number. The barista fire calculator helps you plan for semi-retirement where you work part-time doing something you enjoy rather than full-time corporate work.

Coast fire calculator and coast FI calculator are essentially the same tool. Both calculate when your retirement portfolio will grow to financial independence without new contributions. FI stands for Financial Independence, and coast FI calculator and coast fire calculator both help determine your coast fi number and timeline to reach coast fire status.

Growing your retirement portfolio requires consistent saving and investing in diversified assets. Most FIRE seekers invest heavily in low-cost index funds. Our fire calculator shows how regular contributions and compound returns grow your retirement portfolio over time. The retirement portfolio calculator demonstrates that higher savings rates dramatically accelerate your path to your fire number.

"Rich broke or dead" is a reminder to balance aggressive saving with enjoying life today. If you save too aggressively, you might be rich when you are dead, or broke from not earning enough, or dead before enjoying your wealth. Our fire calculator helps find a sustainable savings rate that lets you reach financial independence while still living well today. Do not sacrifice everything to calculate fire number - balance is key.

Our fire calculator provides estimates based on historical market returns and the 4% rule. The retirement portfolio calculator accounts for compound interest and regular contributions. However, actual results vary based on market performance, inflation, and life changes. Use the fire calculator as a planning tool, but adjust your fire number as circumstances change. The coast fire calculator and barista fire calculator help you plan multiple scenarios.

Yes, inflation significantly impacts your fire number and retirement portfolio. Our fire calculator includes an inflation option that adjusts expected returns for inflation. When you calculate fire number with inflation, you get a more realistic timeline. The retirement portfolio calculator uses real returns (nominal returns minus inflation) for more accurate projections to your fire number.

Yes, this fire calculator works for any retirement portfolio size and income level. Whether your fire number is $500,000 or $5,000,000, the calculator shows when you will reach financial independence. The coast fire calculator and barista fire calculator also work for any retirement portfolio amount. Simply enter your current retirement portfolio, expenses, and savings to calculate your fire number and timeline.

Yes, our fire calculator is completely free with no registration required. Use this coast fire calculator, barista fire calculator, and retirement portfolio calculator as many times as needed. Calculate your fire number, explore coast fire scenarios, and plan your path to financial independence with our free fire calculator tools.