Financial Freedom / FIRE Calculator
Calculate your FIRE number, how long until you reach financial independence, and your progress milestones.
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Rental, dividends, side work - reduces the FIRE number needed
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The 4% Rule
Based on the Trinity Study: withdraw 4% of your portfolio annually. It has historically sustained a 30-year retirement in virtually all market conditions since 1926.
FIRE Number = Annual Expenses ÷ 0.04 = Expenses × 25
FIRE Variants
Lean FIRE: <$40K/yr expenses
Regular FIRE: $40K–$80K/yr
Fat FIRE: $80K+/yr
Barista FIRE: Semi-retire + part-time
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