What is a FIRE number?

Your FIRE number is your annual expenses divided by your safe withdrawal rate. At 4%, it equals 25x your yearly spending.

Coast FIRE is the amount you need invested today so that compound growth alone will reach your FIRE number by a target retirement age, without any additional contributions.

What is Barista FIRE?

Barista FIRE means having roughly half your FIRE number invested and covering the remaining expenses with part-time or low-stress work.

FIRE Number Calculator

Calculate how much you need to reach Financial Independence and Retire Early.

Annual Expenses ($)

Current Savings ($)

Annual Savings ($)

Expected Return (%)

Withdrawal Rate (%)

Current Age

FIRE Number

Years to FIRE

Progress to FIRE 0%

Coast FIRE Number

Invest this now, retire at 60

Barista FIRE

50% FIRE + part-time income

Projected Wealth Growth

Year 1Year N

For educational purposes only. Not financial advice. Assumes constant returns and does not account for taxes or inflation.

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