FIRE Plan Review Calculator

About the FIRE Plan Review calculator

Financial Independence / Retire Early (FIRE) comes down to a few numbers: your FI number (annual spending times 25, the inverse of the 4% safe-withdrawal rule), how many years of saving and growth it takes to get there, and whether your withdrawal rate at retirement is sustainable. This review takes your age, target retirement age, invested assets by account type, savings, and spending, and gives a plain verdict — on track, behind, already FI, or Coast FIRE — plus the highest-value moves, including the state-tax angle most FIRE calculators ignore. Everything is in today's dollars using a real return, the FIRE convention. It's a shareable second opinion, not a Monte Carlo.

Frequently asked questions

What is my FIRE number?

The classic FIRE number is 25 times your annual spending — the inverse of the 4% safe-withdrawal rule. At that level, withdrawing 4% a year (adjusted for inflation) has historically lasted a 30-year-plus retirement. This calculator computes it from your spending and shows how close you are.

What is Coast FIRE?

Coast FIRE means your current invested assets, left to grow with no further contributions, will reach your FIRE number by your target retirement age. If you've hit it, you could stop saving for retirement and just cover your spending — a popular milestone in the FIRE community.

Is the 4% rule safe for early retirement?

The 4% rule was derived for ~30-year retirements; very early retirees (30s/40s) with 50+ year horizons often use a more conservative 3.25–3.5% withdrawal rate. This review flags when your spending implies a withdrawal rate above the 4% guideline.

Does where I live affect my FIRE plan?

Yes — state income tax on your retirement withdrawals can cost thousands a year. Retiring in a no-income-tax state (Texas, Florida, Washington, and others) versus a high-tax state is one of the largest, lowest-effort moves, and this review quantifies it for your numbers.