Calculate your FIRE number, years to FIRE, and monthly retirement income. Compare Lean, Regular, and Fat FIRE. Free FIRE calculator, no signup needed.
FIRE stands for Financial Independence, Retire Early. The goal is to save and invest aggressively (50-70%+ of income) to reach a portfolio large enough to live off investment returns indefinitely — typically before traditional retirement age.
Your FIRE number is 25 times your annual expenses (based on the 4% safe withdrawal rate). If you spend $50,000/year, you need $1.25 million invested. At 4% withdrawal, $1.25M generates $50,000/year in perpetuity.
Lean FIRE: retire on a tight budget ($25,000-$40,000/year), needs smaller portfolio. Regular FIRE: standard comfortable lifestyle. Fat FIRE: luxury retirement ($100,000+/year), needs $2.5M+ portfolio. Choose based on your lifestyle goals.
Barista FIRE involves retiring from your main career but working part-time (like at a coffee shop) to cover health insurance and some expenses. This reduces the portfolio size needed and is increasingly popular.
Research shows 4% withdrawal has a 95%+ success rate over 30 years with a diversified portfolio. For early retirement (40+ year horizon), some researchers recommend 3-3.5%. Our calculator lets you adjust the withdrawal rate.
Yes — every FreeFixo tool, including the Free FIRE Calculator — Financial Independence, is 100% free with no paywall, no premium tier, and no usage limits. You do not need to create an account, enter a credit card, or share an email.