🔥 FIRE Estimator

Rule of 25 · 4% Safe Withdrawal Rate · When can you reach financial independence?

Current AgeLife ExpectancyYearly Income (after tax)Current Net WorthMonthly ExpensesPart-Time Income (yr)Monthly 401kEmployer Match %Match Cap %Inflation %

Invest InSavings rate: 50%SPY avg: 10.0% nominal

FIRE Number (Rule of 25)

$1.3M

4% safe withdrawal = $50K/yr

Regular FIRE

Retire at 48 — year 2044

Portfolio at retirement: $2.3M

Coast FIRE

Age 34

No more savings needed to retire at 65

Barista FIRE

Age 44

Part-time $20K/yr + 4% withdrawal covers expenses