FIRE Calculator

Find your FIRE number, timeline, and how much to save each month.

Current Age

Current Net Worth

Annual Income

Annual Expenses

Expected Investment Return (%)

Safe Withdrawal Rate (%)

Coast FIRE

Pause contributions once your current investments can grow to target.

Barista FIRE

Supplement savings with part-time work.

Your FIRE Number$1,125,000

Years Until FIRE13.7 years

Age at FIRE43.7

Savings Rate50%

Monthly Savings Needed$6,616

Savings rate is calculated as (Income - Expenses) / Income. Adjust Coast or Barista modes to see how different strategies impact your timeline.

$40,000

CurrentGoal: $1,125,000

Standard

Saving full surplus each year

13.7 yrs

Coast FIRE

Let investments grow without new contributions

47.8 yrs

Barista FIRE

Part-time work, lower contributions

16.2 yrs