The number is either enough — or it is not.Get the clear answer and your next three moves.
In about three minutes, see an estimated retirement age, the yearly spending your plan may support, and the changes that matter most. Transparent math. No account. No soft language.
Advanced FIRE features
Professional-grade depth
Transparent portfolio analysis
Full assumptions, formulas, and limitations
FIRE paths
Coast + Barista
Market risk
1k paths
Research
Data + methods
✓Compare scenarios and withdrawal rates
✓Test the order of good and bad market years
✓Download data and inspect every formula
Conservative defaults
We start with 5% growth after inflation and a 4% yearly withdrawal. You can change both.
See defaults →Published methodology
Formulas, free stress-test notes, and Trinity Study lineage — not a black box.
Human tour →Not financial advice
Educational illustrations only. Your taxes, fees, and risk tolerance are unique.
Disclaimer →21-day series · Hosted by Arya
Pressure-test your FIRE plan in 21 short lessons
FIRE number, Coast, Barista, Monte Carlo, sequence risk — each day maps to a free transparent tool. Clear math. No account. No soft language.
FAQ
Quick answers about RetireFire tools and FIRE concepts.
What is a FIRE number?+
Your FIRE number is the invested portfolio size that can support your annual spending at a chosen safe withdrawal rate. At 4%, it is 25× annual spending (spending ÷ 0.04). Lean, Regular, and Fat are optional spending presets — not research standards.
Is the 4% rule guaranteed?+
No. The 4% starting point comes from studies of past U.S. markets. Future results may be different, especially when retirement could last 40 years or more. Try lower rates, such as 3% or 3.5%, to see how much more savings they require.
What is Coast FIRE?+
Coast FIRE means your current retirement savings may grow enough to fund retirement later, even if you stop adding money. You would usually keep working to pay today’s bills. It does not mean you can retire now.
What is Barista FIRE?+
Barista FIRE means working part time while using investments to cover the rest of your expenses. Because work pays some bills, you may need a smaller investment portfolio. Include health insurance and taxes in the plan.
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