Full FIRE
Explore the portfolio needed to cover your whole spending budget.
In developmentFinancial independence.
Start with the numbers.
Independent calculators and clear explanations to help you explore the relationship between your savings, your spending and your time.
Find your starting point.
One live calculator. More ways to plan, on the way.
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Coast FIRE
What would you need invested today to fund a later retirement? Explore your number, your possible Coast age and the savings gap.
Open Coast FIRE calculatorBarista FIRE
See how ongoing part-time income could change the investment target.
In developmentLean FIRE
Explore financial independence with a smaller personal spending budget.
In developmentThe latest guides.
All guidesWhat Is Coast FIRE? The Milestone Before Retirement
What Coast FIRE does—and does not—mean for your savings, work and current living costs.
How to Calculate Your Coast FIRE Age
Why the age you reach Coast FIRE differs from the age you plan to retire.
Coast FIRE vs Full, Lean and Barista FIRE
Four planning questions that use different relationships between work income, spending and investments.
See what is behind
every number.
Read the formulas, inspect reproducible examples and follow the model’s release history before interpreting a result.