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.

Use the full interactive calculator below, or

Related Calculators

FI Number

Finance & Accounting

Safe Withdrawal Rate

Finance & Accounting

401(k) Growth

Finance & Accounting

FIRE Retirement Number Calculator

Related Calculators

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?