Money · lens
FIRE Number
Financial independence, laid out plainly: the number you'd need invested to cover your life on withdrawals alone, and whether what you already have is on track to coast there.
Educational estimates only — not financial, tax, mortgage, or investment advice.
Saves these as your planning numbers so the other tools — and your HōMI — start from the same place. Nothing here changes your assessment.
Your FIRE number
Not yet coastingCoast-FIRE
What today's savings alone — with no more contributions — could grow into by 55.
Needed today to coast
$253,136
Projected at 55
$402,945
At this return rate, today's savings alone would reach your FIRE number around age 71.1.
What this means
The FIRE number is a target, not a deadline — it assumes your expenses and the withdrawal rate you chose hold roughly steady, which real life rarely does exactly. Coast-FIRE is not "you can stop saving" — it's "if you stopped today, time and growth alone would likely get you there by your target age." Whether to actually stop contributing is a different, more personal question than the math above.