How much do you need invested to be financially independent, and how many years until you get there? Computes the FI number under five common FIRE flavors (Lean, Regular, Fat, Coast, Barista) and projects your portfolio year-by-year using the Trinity Study's 4% safe withdrawal rate.
For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Years to FI
11 yrs
Reaches age 41 with portfolio $1,023,441.
| Flavor | FI number | × expenses | Note |
|---|---|---|---|
| Lean FIRE | $750,000 | 18.8× | Default: 75% of regular expenses. |
| Regular FIRE | $1,000,000 | 25.0× | $40,000 ÷ 4.0% SWR |
| Fat FIRE | $1,320,000 | 33.0× | Default: 33× expenses (≈3% SWR). |
| Coast FIRE | $181,290 | 4.5× | Compounds to Regular FI by age 65 with no further contributions. |
| Barista FIRE | $500,000 | 12.5× | Half the Regular FI; assumes part-time income covers the gap. |
| Year | Age | Start | Saved | Growth | End | % to FI |
|---|---|---|---|---|---|---|
| 1 | 31 | $100,000 | $60,000 | $5,000 | $165,000 | 17% |
| 2 | 32 | $165,000 | $60,000 | $8,250 | $233,250 | 23% |
| 3 | 33 | $233,250 | $60,000 | $11,663 | $304,913 | 30% |
| 4 | 34 | $304,913 | $60,000 | $15,246 | $380,158 | 38% |
| 5 | 35 | $380,158 | $60,000 | $19,008 | $459,166 | 46% |
| 6 | 36 | $459,166 | $60,000 | $22,958 | $542,124 | 54% |
| 7 | 37 | $542,124 | $60,000 | $27,106 | $629,231 | 63% |
| 8 | 38 | $629,231 | $60,000 | $31,462 | $720,692 | 72% |
| 9 | 39 | $720,692 | $60,000 | $36,035 | $816,727 | 82% |
| 10 | 40 | $816,727 | $60,000 | $40,836 | $917,563 | 92% |
| 11 | 41 | $917,563 | $60,000 | $45,878 | $1,023,441 | 102% |
The calculator does two things: derive a target FI number from your expenses + chosen FIRE flavor, and project your portfolio forward year-by-year until it crosses that target.
Regular FI = annualExpenses ÷ withdrawalRate (e.g., $40k / 4% = $1M). Lean FI defaults to 75% of regular expenses. Fat FI defaults to 33× expenses (≈3% SWR). Barista FI is half of Regular. Coast FI is Regular FI discounted to today's dollars at the real rate over (traditionalRetirementAge − currentAge) years.
If you don't override, savings = max(0, annualIncome − annualExpenses). You can also enter savings directly (useful when income and expenses are not stable, or when you want to test a higher savings rate).
Each year: portfolio_n = portfolio_{n−1} × (1 + r) + annualSavings (annuity-immediate). Iterate until the portfolio crosses the FI number, capped at 80 years.
Years to FI = the first year-end where the portfolio meets or exceeds the FI number. Age at FI = currentAge + yearsToFi. The chart plots the trajectory with the FI threshold as a dashed reference line.
All five FIRE flavors are computed simultaneously under the same withdrawalRate and real return, so you can see how much smaller a Lean or Coast target is — or how much further away Fat sits.
FI number = $40,000 / 0.04 = $1,000,000. Annual savings = $100,000 − $40,000 = $60,000. Year 1: 100,000 × 1.05 + 60,000 = 165,000 Year 2: 165,000 × 1.05 + 60,000 = 233,250 Year 3: 233,250 × 1.05 + 60,000 = 304,913 ... Year 11: 917,563 × 1.05 + 60,000 = 1,023,441 — at/over FI Result: 11 years to FI, age 41, portfolio ≈ $1,023,441. Coast FI for the same person (35 years to age 65, 5% real): $1,000,000 / (1.05)^35 = $181,290 That is the amount that, if left untouched today, compounds to $1M by 65. Barista FI: $500,000 (half of Regular). Lean FI: $750,000 (75% of expenses ÷ 4%). Fat FI: $1,320,000 (33× expenses, default).
Every numeric input to this calculator traces back to one of the following authoritative documents.
Where the SWR heuristic comes from and where it breaks.
Underlying compounding engine, no FIRE framing.
Tax-bucket choice for retirement savings.
Marginal-rate spread is the deciding factor.
Calculation logic is based on data verified for Trinity Study 4% safe withdrawal rate.
No professional advice. This calculator is provided for informational and educational purposes only and does not constitute investment, financial, or tax advice. infoz.com is operated by Netlink BVI Ltd, which is not a certified public accountant, enrolled agent, attorney, registered investment adviser, or licensed financial professional in any jurisdiction. Use of this calculator does not create any professional, fiduciary, or advisory relationship.
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