Retirement
FIRE Calculator
Find your FI date, Coast FIRE number, Barista FIRE gap, and the effect of your savings rate.
PrivateRuns in your browserEstimateAssumption-driven
How to read this resultShow
This projection depends heavily on return, inflation, tax, withdrawal, and life-expectancy assumptions. Use the result as a planning range, then stress-test the inputs.
This calculator primarily uses the assumptions you enter, with formulas kept in the tested finance engine. Market rates, local costs, lender rules, and personal circumstances can change the result.
Smart next steps
- Your savings rate drives your FI date far more than your return assumption.
- Check the Coast FIRE number — you may be closer to 'work optional' than you think.
- Validate the plan with a Monte Carlo retirement run for sequence-of-returns risk.