FIRE Calculator
Find your financial independence number, how many years it takes to reach it, and your Coast FIRE target where your savings can grow on their own.
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What you expect to spend each year once retired.
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What you have invested toward retirement today.
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How much you invest each year going forward.
A real return of 5 to 7% is a common long term estimate.
4% is the classic rule, which equals 25 times expenses.
Your FIRE number starts with your real spending
Finny tracks your expenses automatically so you know what you actually spend each year. That real number, not a guess, is what drives an accurate FIRE target.
Frequently asked questions
Related reading: what is FIRE, Coast FIRE, the 4% rule, and passive income.
