Your Roadmap to Financial Independence
Free calculators, research-backed guides, and actionable strategies to help you reach FIRE — whether you're saving your first dollar or planning your exit.
Interactive FIRE Calculators
Run the numbers in seconds. Our calculators use the same math behind the Trinity Study and Bengen's 4% research — no sign-up, no email capture, ever.
Five Paths to Financial Independence
FIRE isn't one-size-fits-all. Choose the variant that matches your lifestyle, income, and goals.
Traditional FIRE
Save 25× your annual expenses. The classic approach targeting a 4% safe withdrawal rate — proven across 96% of historical 30-year periods.
Learn more →Lean FIRE
Reach FI on under $40K/year in expenses. Minimalism meets compound interest — smaller portfolio, faster timeline.
Learn more →Fat FIRE
Retire early without cutting back. $100K+ per year in retirement spending, bigger portfolio, same math.
Learn more →Coast FIRE
Save aggressively early, then coast. Let compound growth finish the job while you shift to lower-stress work.
Learn more →Barista FIRE
Semi-retire and work part-time for healthcare and daily expenses while your portfolio grows untouched.
Learn more →Your Savings Rate
The #1 number that determines when you retire — more important than income or investment returns.
See the math →From Zero to FIRE in 3 Steps
Financial independence isn't complicated. Here's the framework that works.
Know Your Numbers
Calculate your savings rate and FIRE number. These two numbers tell you exactly where you are and where you're going.
Calculate savings rate →Optimize & Invest
Max tax-advantaged accounts (401k, IRA, HSA), eliminate high-interest debt, and invest in low-cost index funds.
Read the full guide →Track & Adjust
Review quarterly, stay the course through market cycles, and watch compound interest do the heavy lifting.
Track your progress →Essential FIRE Guides & Tools
Everything you need to plan, execute, and track your journey to financial independence.
The 4% Rule Explained
The mathematical backbone of FIRE — how it works, when it fails, and what smart practitioners actually use for safe withdrawals.
Three-Fund Portfolio Guide
The simple investing strategy that beats 92% of professionals. Exact funds, allocations by age, and why three is all you need.
How Much to Retire at 55/50/45/40
Real numbers for every target retirement age — based on the 4% rule with Social Security and savings rate analysis.
Net Worth by Age
Average and median net worth from Federal Reserve data, plus FIRE-specific targets for ages 25 through 65.
Barista FIRE Guide
Semi-retire years earlier with part-time work for health insurance and income. Calculate your Barista FIRE number.
Retirement Savings by Age
How do your savings compare? Median and average balances for every age group — and what FIRE practitioners target.