Financial Independence (FIRE) Calculator

See how close you are to different flavors of financial independence — Lean, Coast, Barista, Regular, and Fat FIRE.

Current annual expenses

Current investments (toward FI)

Safe withdrawal rate (%)

Current age

Traditional retirement age (for Coast FI)

Expected annual return (%) (for Coast FI)

Expected part-time/side income per year (for Barista FI)

Lean FI

A bare-bones budget — assumes you trim spending to about 70% of your current expenses.

Target: $700,000Still needed: $650,000

Coast FI

53%

Enough invested today that, left untouched, growth alone gets you to full FI by your target retirement age.

Target: $93,663Still needed: $43,663

Barista FI

Enough to cover the gap between your expenses and part-time income — work becomes optional, not required.

Target: $625,000Still needed: $575,000

Regular FI

The classic number: enough to cover your full current expenses at the withdrawal rate above.

Target: $1,000,000Still needed: $950,000

Fat FI

A more comfortable lifestyle — assumes spending about 150% of your current expenses.

Target: $1,500,000Still needed: $1,450,000