FIRE
Targets & Projections
Your FIRE timeline
You’ll hit FIRE at age
Crunching your numbers…
Your numbers
Current age: 35Your retirement goal
Using the auto 25× default ($1,440,000). Enter a specific number to override.
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Customize assumptions
Don’t know your Social Security estimate? Use the US average for someone claiming at age 67 (~$1,907/mo).
Rough SSA average — your actual benefit depends on your earnings history. Check ssa.gov/myaccount for your real number.
Rough SSA average — your actual benefit depends on your earnings history. Check ssa.gov/myaccount for your real number.
Lean FIRE25%
$1,008,000
+70.00% of standard · $40,320/yr
Coast age: 53.2
Full in: 12.8 years(contributing)
FIRE17%
$1,440,000
$57,600/yr · 25× at +4.00% SWR
Coast age: 57.9
Full in: 16.8 years(contributing)
Fat FIRE11%
$2,160,000
+150.00% of standard · $86,400/yr
Coast age: 63.1
Full in: 21.5 years(contributing)
Lean FIRE − SS61%
$408,000
Portfolio covers $16,320/yr; SS covers the rest
Coast age: 41.5
Full in: 4.0 years(contributing)
FIRE − SS30%
$840,000
Portfolio covers $33,600/yr; SS covers the rest
Coast age: 50.9
Full in: 10.8 years(contributing)
Fat FIRE − SS16%
$1,560,000
Portfolio covers $62,400/yr; SS covers the rest
Coast age: 58.9
Full in: 17.5 years(contributing)
Assumes you retire at SS claim age (67). Retire earlier = need a bridge fund; see Strategy tab.
Barista → Lean96%
$258,000
Portfolio covers $10,320/yr of $40,320
Coast age: 35.5
Full in: 0.5 years(contributing)
Barista → FIRE36%
$690,000
Portfolio covers $27,600/yr of $57,600
Coast age: 48.3
Full in: 8.8 years(contributing)
Barista → Fat18%
$1,410,000
Portfolio covers $56,400/yr of $86,400
Coast age: 57.6
Full in: 16.5 years(contributing)
Minimum invested today to coast (no more contributions) to each tier
Retire at 40
5 yr out
Lean$686,028
FIRE$980,040
Fat$1,470,060
Retire at 45
10 yr out
Lean$466,899
FIRE$666,999
Fat$1,000,498
Retire at 50
15 yr out
Lean$317,764
FIRE$453,948
Fat$680,922
Retire at 55
20 yr out
Lean$216,265✓
FIRE$308,949
Fat$463,424
Retire at 60
25 yr out
Lean$147,186✓
FIRE$210,266✓
Fat$315,399
Retire at 65
30 yr out
Lean$100,172✓
FIRE$143,103✓
Fat$214,655✓
| Retire at | Years out | Coast → Lean | Coast → FIRE | Coast → Fat |
|---|---|---|---|---|
| 40 | 5 yr | $686,028 | $980,040 | $1,470,060 |
| 45 | 10 yr | $466,899 | $666,999 | $1,000,498 |
| 50 | 15 yr | $317,764 | $453,948 | $680,922 |
| 55 | 20 yr | $216,265✓ | $308,949 | $463,424 |
| 60 | 25 yr | $147,186✓ | $210,266✓ | $315,399 |
| 65 | 30 yr | $100,172✓ | $143,103✓ | $214,655✓ |
Your $17,100/yr contribution becomes $4,429,866 by age 75.
That's 6.5× every dollar you put in ($684,000 contributed → $4,429,866 grown).
Running simulation…
Tiers — how much you spend in retirement: Lean, FIRE (current lifestyle), Fat.
Strategies — how you get there: Full (portfolio covers 100%), Coast (stop contributing, let it compound), Barista (portfolio + part-time job).
For tax treatment and bridging pre-59½ retirement, see the Strategy tab.