Calculate your Financial Independence number. Determine exactly when you can exit the wage system and achieve complete economic autonomy.
4% Rule: Traditional safe withdrawal rate for 30-year horizon
Enter your financial details to calculate your path to independence
FIRE is a movement focused on extreme savings and investment (50-70% of income) to retire decades earlier than traditional retirement age. The goal is building a portfolio large enough to cover living expenses indefinitely.
The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement without running out of money for 30 years. Your FIRE number = Annual Expenses ÷ 0.04.
Coast FIRE means you've saved enough that compound growth alone will fund your traditional retirement at 65. You can 'coast' - work part-time or lower-paying jobs without saving more.
Lean FIRE is retiring with minimal expenses (~$40k/year). Fat FIRE is retiring with a luxurious lifestyle ($100k+/year). Regular FIRE is somewhere in between.