FIRE
When can you stop saving — and when can you stop working?
FIRE number and Coast FIRE target — with a path to each.
Built and reviewed by LeadAfrik Research
Data-grounded analysis on African economies
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
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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.