Start with your question
FIRE planning guides
Retirement math becomes easier when the page matches the decision. Choose an age, portfolio, spending level, or income source, then move into the full calculator with the assumptions visible.
Retire by age
Bridge healthcare and later income without hiding the timeline.
Retire by age 50
How much do you need to retire at 50?
Estimate the portfolio needed to retire at 50, including spending, withdrawal-rate, healthcare, Social Security, and sequence-risk considerations.
Retire by age 55
How much do you need to retire at 55?
Estimate the portfolio needed to retire at 55, including spending, withdrawal-rate, healthcare, Social Security, and sequence-risk considerations.
Retire by age 60
How much do you need to retire at 60?
Estimate the portfolio needed to retire at 60, including spending, withdrawal-rate, healthcare, Social Security, and sequence-risk considerations.
Age and retirement math
FIRE number by age: what actually changes?
Understand how age affects FIRE through retirement horizon, healthcare, benefit timing, flexibility, and sequence risk—not through a different core formula.
Start with a portfolio or lifestyle
Translate balances and annual spending into a tested range.
Portfolio reality check
Can I retire with $1 million?
See the annual spending $1 million may support at 3%, 3.5%, and 4%, then test taxes, healthcare, Social Security, and flexibility.
Portfolio reality check
Can I retire with $2 million?
See the annual spending $2 million may support at 3%, 3.5%, and 4%, then test taxes, healthcare, Social Security, and flexibility.
Original planning table
FIRE number by annual spending
Compare FIRE portfolio targets for $30,000–$150,000 of annual spending at 3%, 3.5%, and 4% planning withdrawal rates.
Model the household
Add later income, two-person timelines, and healthcare costs.
Household planning
Coast FIRE for couples
Plan Coast FIRE for two people using shared spending, separate retirement dates, account ownership, benefits, and survivor scenarios.
Two-phase retirement math
FIRE calculator with Social Security
Estimate how Social Security may reduce the later portfolio-funded spending gap without incorrectly using future benefits to fund the early-retirement bridge.
Income-gap calculator
FIRE calculator with pension income
Estimate how pension income changes a portfolio target while keeping pension start dates, inflation protection, survivor benefits, and the bridge visible.
Healthcare before Medicare
Early-retirement health insurance: build an honest FIRE budget
Plan the health-insurance bridge before Medicare using premiums, out-of-pocket exposure, household income, plan changes, and a dedicated contingency.
Coast FIRE
See how time changes the amount required today.
Prefer to start with the numbers?
Use the calculator hub for FIRE number, Years to FIRE, Coast FIRE, and Barista FIRE tools with shared assumptions.
Browse all calculators →