FIRE Retirement Planner

Map your complete path to financial independence and early retirement. Our comprehensive calculator helps you plan every aspect of your FIRE journey with personalized projections and actionable insights.

👤 Current Financial Situation

Current Age

Current Savings ($)

Monthly Income ($)

Monthly Expenses ($)

Monthly Savings ($)

Expected Salary Increase (%/year)

🎯 Retirement Goals

Target Retirement Age

Desired Annual Income ($)

FIRE Type

Standard lifestyle, $40K-80K annual expenses

📈 Investment Strategy

Asset Allocation

Stocks (%)

Bonds (%)

Cash (%)

Total: 100.0%

Expected Annual Returns

Stock Returns (%)

Bond Returns (%)

Cash Returns (%)

⚙️ Advanced Options

📊 Your FIRE Plan

Your FIRE Number

$1,500,000

Years to FIRE

20 years

Monthly Savings Required

$2,576

Projected Balance at 50

$1,040,116

Progress to FIRE69.3%

Emergency Fund Needed:$21,000

Safe 4% Withdrawal:$41,605

Shortfall:$459,884

Next Steps

•Increase monthly savings by $1,076

•Consider adjusting your retirement age or target income

•Build your emergency fund to $21,000

•Maximize tax-advantaged accounts

Related Calculators

Coast FIRE Calculator

Calculate when you can stop saving

FIRE Number Calculator

Find your target retirement amount

Compound Interest Calculator

See your investment growth over time

Understanding FIRE

FIRE (Financial Independence, Retire Early) is a movement focused on extreme savings and investment that allows you to retire far earlier than traditional budgets and retirement plans would allow.

The core principle is the Rule of 25: save 25 times your annual expenses. Combined with the 4% withdrawal rule, this provides sustainable retirement income.

FIRE Types:

Lean FIRE: Minimalist retirement with reduced expenses
Regular FIRE: Standard lifestyle maintained in retirement
Fat FIRE: Luxurious retirement with higher expenses
Coast FIRE: Let current savings grow without additional contributions
Barista FIRE: Semi-retirement with part-time work

Planning Tips

Maximize Your Savings Rate:

Aim for at least 20% savings rate, ideally 50%+
Reduce housing costs (biggest expense for most people)
Cook at home and minimize dining out
Use public transportation or bike when possible
Avoid lifestyle inflation as income increases

Investment Strategy:

Diversify across asset classes
Favor low-cost index funds
Maximize tax-advantaged accounts first
Maintain appropriate asset allocation for your age
Don't try to time the market

Disclaimer: This calculator provides estimates for planning purposes only. Results are not guaranteed and actual returns may vary significantly. Market volatility, inflation, taxes, and life circumstances can all impact your retirement timeline. Always consult with a qualified financial advisor for personalized advice.