When can you stop saving — and when can you stop working?
FIRE = annual expenses divided by safe withdrawal rate. Coast FIRE = the amount that, left alone, grows into FIRE by your target age. We compute both, and show you the path.
Built and reviewed by Stephen Omukoko Okoth
Mathematical Economist · ex-Morgan Stanley FI · Equilar
Inputs
Today
Verdict
Full FIRE at age 56.
FIRE number: $ 1.20M
FIRE number = annual expenses ÷ withdrawal rate. Coast FIRE = the smaller pot that, left alone at your real return, becomes the FIRE number by your target age.
Result
The two milestones
FIRE number
$ 1.20M
4.0% of expenses
Years to FIRE
24
Coast FIRE today
$ 390.7K
Stop saving threshold
Coast progress
12.8%
Trajectory
Path to your number
Common questions
What is FIRE?
Financial Independence, Retire Early. Your FIRE number is your annual expenses divided by your safe withdrawal rate (commonly 4%). Reach it and your portfolio can — in expectation — fund your life forever.
What is Coast FIRE?
The amount you'd need invested today to grow into your full FIRE number by your target retirement age, assuming you make zero further contributions. Hit Coast and you can stop saving — a paycheck just covers expenses.
Is the 4% rule really safe?
It's a starting point, not a guarantee. The original Trinity study used US data 1926–1995. International data, sequence-of-returns risk, and a 60-year retirement (vs. 30) all push the safe rate down. Stress test with the Retirement Survival calculator.
What return should I assume?
We default to a real (after-inflation) return because FIRE is about purchasing power. 5% real is conservative for a global equity portfolio; 7% is the historical US number. Pick the one that lets you sleep.