Retirement / FIRE Calculator

Estimate your FIRE number, Coast FIRE target, and Lean, Fat, or Barista FIRE timeline in today's dollars.

FIRE flavor

Lean Fat Coast Barista

Timeline

Current age

Retirement age

For Coast FIRE, this is your traditional retirement age.

Portfolio

Current invested savings

Portfolio balance in today's dollars.

Monthly contribution

Added at month end before retirement.

Assumptions

Expected nominal return

Long-run annual return before inflation.

Expected inflation

Target annual spend

Retirement spending in today's dollars.

Safe withdrawal rate 4 %

Lower rates require a larger portfolio; higher rates assume more drawdown risk.

4.00% means a x25 spending multiple.

Retirement / FIRE calculator

Flavor: —
Timeline: —
Portfolio: —
Assumptions: —
Result: —

FIRE number

—

Today's dollars.

Years to FIRE —

Estimated FIRE date —

Real annual return —

Coast target today: —

Projected balance

Real-dollar accumulation with FIRE target cue.

Year-by-year schedule

First 12 rows shown.

Balances are displayed in today's dollars.

Age	Year	Contributions	Real return	End balance	Vs target

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How this is calculated

The calculator converts nominal return to real return with the Fisher equation: (1 + nominal return) / (1 + inflation) - 1. All displayed dollar amounts are in today's purchasing power.

FIRE number equals annual spending divided by the withdrawal rate. This is the rule-of-thumb method popularized by Bengen's 1994 withdrawal-rate study and the 1998 Trinity Study.

Coast FIRE discounts the FIRE number back from traditional retirement age. Barista FIRE subtracts part-time net income from target spending before applying the withdrawal-rate multiplier.

Sources

Sustainable withdrawal rates — Trinity study summary. Bogleheads. Retrieved Jun 1, 2026.

Method last reviewed June 1, 2026

How we choose and check our formulas