fire_calculator.ts

FIRE Calculator

Enter your age, your retirement accounts, and what you plan to spend. You'll get the number you actually need to retire, plus which flavor of FIRE fits your situation.

Current age Target retirement age

Current retirement account value ($)

Add up your IRAs, HSA (if you're investing it, not spending it), 401(k), 403(b), 457, and any brokerage or other investment accounts you're counting toward retirement.

How much you invest per year ($) Planned annual spending in retirement ($) Expected real return (% / year)

Real return means after inflation. 6% to 7% is a common long-term assumption for a stock-heavy portfolio, adjust it if you want to be more conservative.

Which flavor of FIRE fits you

Your number above assumes you fully replace your current spending forever. Most people don't land exactly there. Here's how the main variants compare, using your numbers as the baseline.

Type	Estimated number	Advantages	Disadvantages

Lean and Fat estimates assume you'd cut spending to about 70% or raise it to about 150% of what you entered. Barista assumes part time work covers roughly half your spending. Adjust the inputs above and recalculate to see how sensitive each number is to your assumptions.

I'm not a financial advisor. This is just math based on the numbers you entered, not personalized advice.