FIRE Retirement Calculator
Calculate your Financial Independence number and exact age you can retire early.
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Frequently Asked Questions
What age can I retire early with the FIRE method?
FIRE retirement age depends entirely on your savings rate. Saving 10% of income typically reaches FIRE at traditional retirement age. Saving 25% reaches FIRE around age 55-60. Saving 50% can reach FIRE in your 40s. Saving 70%+ can reach FIRE in your 30s. The formula: FIRE Number (25x annual expenses) divided by annual savings rate determines the timeline.
What is the 4% safe withdrawal rate?
The 4% rule comes from the Trinity Study (1998) which found a 4% annual withdrawal from a diversified stock/bond portfolio historically lasted 30+ years in 95% of historical scenarios. For early retirees with 40-50 year horizons, many FIRE advocates use 3-3.5% to add margin of safety. Your FIRE number = Annual expenses / withdrawal rate.
What happens to healthcare before Medicare at age 65?
This is a major FIRE planning consideration. Options: ACA marketplace plans (subsidized based on income — low withdrawal income can qualify for heavy subsidies), COBRA from last employer (expensive, 18 months only), spouse employer coverage, health sharing ministries, or part-time work with benefits (Barista FIRE). Budget $500-$1,500/month for healthcare premiums pre-Medicare.