Important: RetireFire provides educational calculators only. Results are not financial, investment, tax, or legal advice. Past market returns do not guarantee future results. Full disclaimer
RetireFire

Evidence-based · Transparent · Free

Know your number.Plan with clarity.

Free, transparent FIRE and retirement calculators. FIRE number, years to FI, Coast FIRE, Barista FIRE — with shareable scenarios, clear methodology, and conservative defaults. Conservative defaults, published formulas, and no product pitches.

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Calculators
5
Paywall
None
Advice?
No

Conservative defaults

5% real return and 4% withdrawal as starting points — adjustable, never hidden.

Published methodology

Formulas and sources (Trinity Study lineage, safe withdrawal research) on one page.

Not financial advice

Educational illustrations only. Your taxes, fees, and risk tolerance are unique.

Dedicated calculator pages

FIRE Number

25× spending at 4% — Lean, Regular, Fat presets

Years to FIRE

Timeline with savings, returns, and growth chart

Coast FIRE

Stop saving when growth alone can finish the job

Barista FIRE

Part-time income shrinks the portfolio you need

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How we approach FIRE math

  • Withdrawal rates — The “4% rule” lineage (Bengen / Trinity Study). Early retirees often prefer 3–3.5%.
  • Real vs nominal — Default is real return (~5%). Toggle nominal and set inflation to convert automatically.
  • Coast & Barista — Discount full FIRE for coasting, or shrink the target when work income covers part of spending.

Full sources: Methodology. Guides: Blog. Legal: Disclaimer.

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).
Is the 4% rule guaranteed?
No. The 4% starting point comes from historical U.S. portfolio research (Bengen and the Trinity Study lineage). It is not a guarantee, especially for multi-decade early retirement horizons. Many planners stress-test 3–3.5%.
What is Coast FIRE?
Coast FIRE means you have enough invested that, with no further contributions, compound growth may reach full FIRE by a traditional retirement age. You could stop saving aggressively — it does not mean you can stop working yet.
What is Barista FIRE?
Barista FIRE is semi-retirement: part-time or flexible income covers some spending so your portfolio only needs to fund the remainder. The “barista number” is gap expenses ÷ withdrawal rate.
Do you give financial advice?
No. RetireFire provides educational calculators only. Results are simplified illustrations. Consult qualified professionals before making financial decisions.
Can I share my scenario?
Yes. Shared assumptions sync to the URL. Use “Copy share link” so others can open the same inputs.