Financial independence, mapped

When could work become optional?

Turn your spending, savings, and return assumptions into a FIRE number, estimated timeline, and clear checkpoints along the way.

Your starting point

Current age

yrs

Traditional retirement age

yrs

Current invested portfolio

Monthly contribution

Annual spending

Annual take-home income (for savings rate)

Expected annual part-time income in Barista FIRE

Growth & withdrawal assumptions

Annual return

Inflation

Withdrawal rate

All projections use today’s dollars. Monthly contributions are assumed to rise with inflation and returns are compounded monthly.

Your FIRE number

$1,200,000

7% funded

Estimated FI age50.4

Time remaining18y 5m

Target dateMar 2045

Savings rate

21.2%

of take-home income

Real return

4.39%

after inflation

Coast FIRE today

$291,000

needed to coast to age 65

Compare the paths

Targets, current gaps, and estimated timing

Full FIREPortfolio covers all annual spending

Target · gap today—

Estimated FI age · date—

Barista FIREPart-time income offsets annual spending

Target · gap today—

Estimated FI age · date—

Coast FIRENo further contributions needed to reach full target by retirement age

Target today · gap today—

Destination—

Path to independence

Projected balance in today’s dollars

Portfolio FIRE target

Milestones

Dates are estimates based on constant real assumptions

How this estimate works

Your FIRE number equals annual spending divided by the withdrawal rate. The projection uses the inflation-adjusted return, compounds it monthly, and adds monthly contributions until the portfolio reaches the target. It does not model taxes, investment fees, market volatility, Social Security, or changes in spending.

For planning and education only—not financial advice. Returns are uncertain, and a sustainable withdrawal rate depends on portfolio, horizon, taxes, and future market conditions.