FIRE Number & Coast FIRE
Find your financial-independence number from your spending and a withdrawal-rate assumption, then see whether your current savings alone are already projected to reach it.
Your FIRE number
$1,500,000
Implied multiple of annual expenses
25x
Projected value at age 60 (current savings only)
$997,326
Current savings alone fall short by $502,674 — you'd need continued contributions, a higher return, or a later retirement age.
How it works: FIRE number = annual expenses ÷ safe withdrawal rate — the algebraic inverse of the withdrawal rate you choose (a 4% rate implies a 25× multiple). Coast FIRE projects your current savings alone, with no further contributions, forward at your assumed return to see if they're already on track to reach that number.
Limitations: a single constant assumed return, like every other projection on this platform — it does not model market volatility or the order returns arrive in. See the Sequence-of-Returns Risk calculator for that.
Sources & further reading