FireFlow LogoFire Calculator
4% SAFE WITHDRAWAL RULE·25× ANNUAL SPEND = FIRE NUMBER·COMPOUND GROWTH: TIME × PATIENCE·PORTFOLIO: STOCKS · BONDS · CASH·FIRE = FINANCIAL INDEPENDENCE, RETIRE EARLY·4% SAFE WITHDRAWAL RULE·25× ANNUAL SPEND = FIRE NUMBER·COMPOUND GROWTH: TIME × PATIENCE·PORTFOLIO: STOCKS · BONDS · CASH·FIRE = FINANCIAL INDEPENDENCE, RETIRE EARLY·
Financial Calculator
FIRE Method

FIRE.

Financial Independence, Retire Early — Chart your path to freedom.

01SAVE

Build your capital base systematically over time

02INVEST

Put capital to work across diversified asset classes

03RETIRE

Live on the 4% safe withdrawal rate from your portfolio

01

Your Situation

¥
02

Your Retirement

¥
0%2%10%

Not sure about spending?

5 FIRE models for reference
1.

Lean FIRE

Minimalist retirement through extreme frugality.

~¥1.5–2.5M / year

2.

Fat FIRE

Luxurious, high-budget retirement with abundant spending.

¥10M+ / year

3.

Regular FIRE

Standard comfortable middle-class retirement.

~¥4–6M / year

4.

Barista FIRE

Semi-retirement with low-stress part-time income.

~¥3–5M / year

5.

Coast FIRE

Enough saved early for compound interest to do the work.

¥4–8M+ / year

03

Investing Strategy

Stocks / ETFsper year
¥
Growth
%
MMF / Bondsper year
¥
Growth
%
Cash / Savingsper year
¥
Growth
%

Need a strategy?

Three investor strategies