Close the target-age gap
Financial independence, made personal
Know when work becomes optional.
Find your FIRE number, test the path that fits your life, and see which decisions move your freedom date the most.
No account needed. Your numbers stay in this browser.
Your estimated FIRE ageLive
53
in21 years
Your FIRE number$2M
Monthly freedom budget$5,000
Next best moveAdd $776/mo
Your plan, not a generic rule
Turn “someday” into a date.
Adjust the numbers. Compare the paths. See the impact instantly.
01
Live estimateStart with today
Uses 2.5% inflation and a 4% starting withdrawal rate. You can fine-tune assumptions in a future advanced plan.
USD is the base currency. Local-currency displays use indicative Federal Reserve H.10 rates from July 17, 2026.
02
LiveYour freedom plan
Your estimated FIRE age
5321 years from now
Current progress14%
$210,000 of $1,500,000 invested
FIRE number$1,500,000Based on $60,000/yr
At age 50$1,252,60784% of target
Coast number today$692,170$482,170 to go
Needed per month$3,276To reach age 50
Choose your version of enough
There’s more than one way to FIRE.
Your ideal plan should fit the life you want—not someone else’s definition of retirement.
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How this path is calculated
These are FIRE.fyi planning presets—not universal definitions.
Spending multiplier1×Traditional
Target retirement spending$60,000$60,000 current spending × 1
Portfolio target at 4%$1,500,000$60,000 divided by 4%
4%Why 4%?
The 4% rule comes from William Bengen’s 1994 analysis of historical U.S. markets. It models withdrawing 4% of the initial portfolio in year one, then adjusting that dollar amount for inflation, with the goal of lasting at least 30 years.
It is a planning benchmark—not a guaranteed return or a promise that every portfolio will last. Taxes, fees, asset mix, retirement length, and the order of market returns all matter.Your highest-impact moves
Numbers are useful. Knowing what to do next is better.
Best move
Test a flexible spending goal
Trim retirement spending by 10%.
That could move your estimated FIRE age from 53 to 52.Know your coast milestone
Build your invested balance to $692,170.
From there, compounding can carry the plan toward age 50.Clear math, honest assumptions
No black box between you and your number.
Define enough
We turn your chosen lifestyle and spending into a target portfolio.
Project the path
Your savings, time, returns, and inflation shape a year-by-year estimate.
Find the leverage
We translate the gap into changes you can compare and act on.