How is FIRE different from traditional retirement planning?

FIRE targets retiring at 40-55 rather than 65, requiring a 40-50 year portfolio horizon. This demands a larger nest egg, lower withdrawal rate (3-3.5%), and healthcare planning before Medicare.

What are the types of FIRE?

Lean FIRE: frugal lifestyle, less than $40K/year. Regular FIRE: approximately $60-80K/year. Fat FIRE: $100K+/year. Coast FIRE: invest enough early that compounding covers retirement.

Does the 4% rule apply to early retirement?

The 4% rule was tested for 30-year horizons. For 50-year retirements, a 3-3.5% withdrawal rate is safer. Some FIRE advocates use 3.25% as a conservative floor.

FIRE Retirement Number Calculator

Calculate the portfolio needed for early retirement under FIRE (Financial Independence, Retire Early). Accounts for longer horizon, healthcare costs, and inflation.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate the portfolio needed for early retirement under FIRE (Financial Independence, Retire Early). Accounts for longer horizon, healthcare costs, and inflation. Use the fire number result to inform your calculation.

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FIRE Retirement Number Calculator

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Frequently Asked Questions

How is FIRE different from traditional retirement planning?

What are the types of FIRE?

Does the 4% rule apply to early retirement?