FIRE & Variants Calculator
Estimate your path to Lean FIRE, Standard FIRE, Fat FIRE, Coast FIRE, and Barista FIRE using real return assumptions.
FIRE Variants Progress
Core FIRE Concept
Financial Independence is often estimated as Annual Expenses divided by Safe Withdrawal Rate. At 4% SWR, the rule-of-thumb target is 25x annual expenses.
Variant Meanings
Lean FIRE targets lower spending, Fat FIRE targets higher lifestyle spending, Coast FIRE assumes future compounding with lower new contributions, and Barista FIRE assumes partial active income.
How To Read This Tool
Use FIRE Corpus, Years to FIRE, and Real Return after inflation together. If real return is low, timelines can expand materially even when nominal returns look high.
Concept Snapshot
FIRE models are assumption-sensitive. Return, inflation, and withdrawal rate inputs can shift outcomes sharply. Use conservative assumptions and revisit projections periodically.