FIRE Calculator
Find your Full FIRE, Coast FIRE, and Barista FIRE numbers all in one place. Get a complete picture of your path to financial independence.
Full FIRE • Coast FIRE • Barista FIRE • 100% Free📊 Your Details
Enter your financial information to calculate all three FIRE numbers.
📈 Your FIRE Results
See all three FIRE numbers and your progress toward each goal.
Based on retire at 65, 4% withdrawal, 3% inflation.
FIRE Numbers at a Glance
See how your FIRE numbers change across different spending levels and part-time income scenarios.
| Annual Spending | Full FIRE | Coast FIRE | Barista FIRE ($20K) | Barista FIRE ($30K) |
|---|---|---|---|---|
| $40,000 | $1,000,000 | $380,000 | ||
| $60,000 | $1,500,000 | $570,000 | ||
| $80,000 | $2,000,000 | $760,000 | ||
| $100,000 | $2,500,000 | $950,000 |
Based on 4% safe withdrawal rate, 7% expected return, 3% inflation, retiring at 65. Coast FIRE assumes you stop saving now. Barista FIRE assumes part-time income starts at 50. Figures in today's dollars.
FIRE Insights
Key concepts to understand on your journey to financial independence.
Full FIRE — Complete Freedom
You've saved 25× your annual spending (using the 4% rule). You can retire completely and live off your investments without any additional income.
Coast FIRE — Stop Saving
You've saved enough that your investments will grow to your Full FIRE number without any additional contributions. You can stop saving and let compound interest do the work.
Barista FIRE — Earn & Coast
You work part-time to cover some expenses, reducing your savings target. It's the fastest path to financial independence if you enjoy working part-time.
The Power of Compounding
Every dollar you save today can grow to $3–$5 by retirement. Starting early and staying consistent are the two most powerful levers you can pull.
Frequently Asked Questions
Common questions about FIRE, Coast FIRE, Barista FIRE, and this calculator.
