Calculate your Financial Independence number and years to early retirement.
Traditional: 4% (Trinity Study)
Key Formulas: FIRE Number = Annual Expenses / SWR Savings Rate = (Income − Expenses) / Income Years to FIRE depends on savings rate and returns
The FIRE Movement
FIRE (Financial Independence, Retire Early) focuses on aggressive saving and investing to build a portfolio large enough to cover living expenses indefinitely. The 4% rule suggests withdrawing 4% annually from your portfolio.
FIRE Variations
Lean FIRE: Minimal expenses, frugal lifestyle
Fat FIRE: Higher spending, more luxurious retirement
Barista FIRE: Part-time work covers some expenses
Coast FIRE: Savings already invested enough to grow to full FIRE by traditional retirement age