FIRE Calculator
Calculate your Coast, Lean, and Fat FIRE numbers — and see exactly how far you are from financial independence.
Use 7% for nominal, 4–5% for inflation-adjusted
Base case spending (Fat FIRE = 1.25×, Lean = 0.8×)
Used for savings rate calculation
4% is the classic rule; 3.5% is more conservative
Lean FIRE
$1,600,000
Minimum viable retirement spending
13% there
15.6 years
at current savings rate
Fat FIRE
$2,500,000
Comfortable retirement lifestyle
8% there
20.7 years
at current savings rate
Coast FIRE
$328,418
Amount that grows to Fat FIRE without more contributions
61% there
—
at current savings rate
What is Coast FIRE?
At Coast FIRE ($328,418 in today's dollars), your current savings — left alone — will grow to your Fat FIRE target by traditional retirement age. You could stop adding to investments and still retire comfortably. You just need to cover your living expenses from earned income.
You are 61% of the way to Coast FIRE ($128,418 more needed)
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →