Plan your Financial Independence and Retire Early (FIRE) journey. Calculate your target numbers for different FIRE strategies, optimize your withdrawal rates, and project your portfolio growth.
FIRE stands for Financial Independence, Retire Early. It's a movement focused on aggressive savings and investment to allow individuals to retire far earlier than traditional budgets and retirement plans would allow.
The 4% rule is a rule of thumb used to determine a safe withdrawal rate from a retirement portfolio. It suggests that if you withdraw 4% of your portfolio's value in the first year of retirement, and then adjust that amount for inflation in subsequent years, your portfolio has a high probability of lasting 30 years.
Coast FIRE means you have saved enough money today that, even if you stop contributing entirely, your investments will grow to reach your traditional FIRE number by your target retirement age through compound interest alone.
Lean FIRE assumes a minimalist lifestyle in retirement with expenses significantly lower than average. Fat FIRE assumes a highly comfortable or luxurious retirement lifestyle with higher expenses. This calculator estimates Lean FIRE at 50% of your expected expenses and Fat FIRE at 150%.
Calculations use standard financial formulas. Results are estimates for educational purposes and should not be used as the sole basis for financial decisions.
Westmount Fundamentals. "FIRE Retirement Calculator." westmountfundamentals.com/fire-retirement-calculator, 2026.