What is the FIRE movement?

FIRE stands for Financial Independence, Retire Early. The movement focuses on aggressive saving and investing during working years to accumulate a portfolio large enough to live off investment returns indefinitely — often decades before traditional retirement age.

How is the FIRE number calculated?

The FIRE number is typically 25x your annual expenses, based on the 4% safe withdrawal rule. Research known as the Trinity Study shows that withdrawing 4% of a diversified portfolio annually has historically lasted 30+ years without depleting the portfolio.

Coast FIRE is the point where your existing portfolio, if left untouched, will grow to your full FIRE number by traditional retirement age. Once you reach Coast FIRE, you only need to earn enough to cover current expenses — you can stop adding to investments.

What return rate should I use?

The US stock market has historically returned about 7% real (after inflation). Most FIRE calculators use 6-7% real returns. Be careful not to use nominal returns without adjusting for inflation, as this overstates projected portfolio growth.

What is the difference between Lean FIRE and Fat FIRE?

Lean FIRE targets a frugal retirement (typically under $40K/year), using a 20x multiplier. Regular FIRE uses the standard 25x multiple. Fat FIRE targets a high income in retirement, often using a 30-33x multiplier for extra safety margin.

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FIRE Calculator — Financial Independence Retire Early

Calculate your FIRE number, years to retirement, and Coast FIRE point. Lean, Fat, and Barista FIRE scenarios. Free online.

About this tool

Calculate your FIRE number, how many years until you reach financial independence, your Coast FIRE point, and compare Lean FIRE, Regular FIRE, and Fat FIRE targets based on your income, expenses, savings, and investment returns.

💱 Currency

Your Numbers

Annual Income₹80,000

Annual Expenses₹48,000

Current Savings / Investments₹25,000

Expected Annual Return7%

Current Age30 yrs

Savings Rate40.0%

Saving ₹32,000/yr💪 Great rate

₹1.20M

FIRE Number

25× annual expenses

Years to FIRE

Retire at age 49

Year 1

Coast FIRE

Can stop extra savings

₹32,000

Annual Savings

₹2,667/month

Portfolio Growth Over Time

Portfolio

FIRE point

-- FIRE target

FIRE Variants — Your Numbers

Lean FIRE

4% rule — low spend

₹960,000

Year 16 · Age 46

Regular FIRE

4% rule

₹1.20M

Year 19 · Age 49

Fat FIRE

4% rule — high spend

₹1.58M

Year 22 · Age 52

📌 Based on the 4% safe withdrawal rule (Bengen 1994). Returns are real (inflation-adjusted) by default. Past market performance does not guarantee future results. This is not financial advice.