FIRE Calculators for
Financial Independence.

FIRE stands for Financial Independence, Retire Early. The central idea is deceptively simple: build a portfolio large enough that its investment returns cover your living expenses forever — so work becomes a choice, not a requirement.

The math rests on two numbers. Your FIRE number is the total portfolio value you need. Your safe withdrawal rate — classically 4%, derived from the 1994 Trinity Study — is the percentage you draw each year. At 4%, your FIRE number equals 25× your annual expenses. Spend $50,000 per year? You need $1,250,000 invested.

The main types of FIRE

Lean FIRE targets a streamlined budget — typically 60% or less of current spending. If you plan to relocate somewhere cheaper, grow your own food, or dramatically simplify your life, Lean FIRE lets you retire on a much smaller portfolio.

Standard FIRE matches your current lifestyle in retirement. It's the default benchmark most people in the FIRE community use when they say "my number."

Chubby FIRE sits just above standard — roughly 125% of current expenses — for people who want a meaningful cushion without fully targeting Fat FIRE.

Fat FIRE targets a retirement budget well above today's spending, typically 150–175% or more. It's the goal for people who want to travel freely, cover healthcare costs comfortably, or support a family without financial anxiety.

Coast FIRE is a milestone, not a finish line. You've hit Coast FIRE when your current portfolio is large enough to compound — with zero new contributions — to your full FIRE number by retirement age. After that, you only need to earn enough to cover today's expenses.

Barista FIRE is the semi-retirement strategy: leave the high-pressure career, pick up flexible part-time work that covers living costs, and let your smaller portfolio grow in the background.

How the calculators work together

Each tool on The FIRE Number answers a different question. Start with the FIRE Number Calculator to find your target portfolio. Use the Savings Rate Calculator to understand how aggressively you're accumulating. Check the early retirement calculator to project the exact year you'll cross the finish line. If you're considering semi-retirement, the Coast FIRE and Barista FIRE calculators show how each strategy changes the number you need to hit.

All calculators update instantly as you drag the sliders, use real (inflation-adjusted) returns, and encode your inputs into a shareable URL so you can save a scenario or send it to a financial adviser. No sign-up. No email. Just the math.