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Calculate your path to Financial Independence, Retire Early. Based on the 4% safe withdrawal rate.
Total yearly spending including housing, food, insurance, etc.
Historical stock market average is ~7% after inflation
Savings Rate
Years to FIRE
FIRE Age
Regular FIRE Target
Annual Savings
Lean FIRE
$875K
20× expenses (bare minimum)
Regular FIRE
$1250K
25× expenses (standard)
Fat FIRE
$1875K
33× expenses (comfortable)
$100K reached
$500K reached
$750K reached
FIRE achieved!
The 4% Rule: Research shows you can safely withdraw 4% of your portfolio annually with minimal risk of running out of money over 30+ years.
FIRE Number: Annual expenses × 25 = How much you need invested. At $50,000/year, that's $1,250,000.
Savings Rate: The single most important variable. Going from 20% to 50% savings rate can cut decades off your FIRE timeline.
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How the AI uses this data
"Your FIRE number of $1.2M with a 12-year timeline is aggressive. Given your burnout risk score, we might consider a CoastFIRE path."
Balances financial goals with your mental health data.