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FIRE calculator

Find your Free Path

FIRE stands for Financial Independence, Retire Early. Our calculator can help you create an investment and savings plan that may allow you to retire years earlier than usual, joining the growing community of people pursuing early retirement.

Your Situation

Your retirement

I don't know how much I'll spend after FIRE 😫

5 FIRE models for you to choose from ⬇️
1. Lean FIRE 🍜

A minimalist retirement achieved through extreme frugality and very low living expenses.
Approximate Annual Spending: ~1.5 - 2.5 Million JPY

2. Fat FIRE 🍷

A luxurious, high-budget retirement with abundant spending and lifestyle indulgences.
Approximate Annual Spending: 10 Million JPY+

3. Traditional / Regular FIRE 🏠

The standard approach aiming for a comfortable, average middle-class retirement lifestyle.
Approximate Annual Spending: ~4 - 6 Million JPY

4. Barista FIRE ☕️

Semi-retirement using low-stress part-time income to cover current expenses while letting investments grow.
Approximate Annual Spending: ~3 - 5 Million JPY

5. Coast FIRE 🏂

Saving enough early for compound interest to cover future retirement, allowing you to stop saving now and spend your full income.
Approximate Annual Spending: 4 - 8 Million JPY+

Your investing strategy

Stocks / ETFs Investment yearly

Growth rate

MMF / Bonds Investment yearly

Growth rate

Cash / Savings yearly

Growth rate

I don't have investing strategy 😫

Three investors' strategies for you to choose ⬇️