Calculate your path to Financial Independence and Retire Early. Find your FIRE number, timeline, and explore scenarios to reach freedom faster.
Monthly: $6,667
Monthly: $4,167
Include 401(k), IRA, brokerage accounts, etc.
Leave at 0 to exclude from calculations
This is the amount you need invested to live off 4% annual withdrawals
You'll reach FIRE at age 51
A market crash in your first years of FIRE can devastate your plan. Gold often rises when stocks fall, providing crucial protection.
Early retirement means your portfolio must last decades. Gold has preserved wealth through every economic crisis in history.
Most FIRE portfolios are 100% paper assets. Physical gold in an IRA adds real diversification beyond stocks and bonds.
FIRE investors protect their nest egg from inflation and market crashes with Gold IRAs. Unlike paper assets, gold maintains purchasing power over decades of early retirement.
FIRE (Financial Independence, Retire Early) is a lifestyle movement dedicated to extreme savings and investment. The goal is to accumulate assets until the returns from your investments can cover your living expenses indefinitely, allowing you to retire decades before the traditional age of 65.
The core principle is simple: save aggressively (typically 50-70% of income), invest in low-cost index funds, and live below your means. Once your invested assets reach 25 times your annual expenses (your "FIRE number"), you can safely withdraw 4% annually without depleting your principal.
With a standard 4% withdrawal rate, this simplifies to:
For example, if you spend $50,000 per year, your FIRE number is $1,250,000. Once you reach this amount, you can withdraw $50,000 annually (4% of $1.25M) to cover your expenses.
FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to achieve financial freedom earlier than traditional retirement age. The goal is to accumulate enough assets to live off investment returns indefinitely.
Your FIRE number is calculated by dividing your annual expenses by your safe withdrawal rate (typically 4%). For example, if you spend $50,000 per year and use a 4% withdrawal rate, your FIRE number is $1,250,000 ($50,000 / 0.04).
A safe withdrawal rate (SWR) is the percentage of your portfolio you can withdraw annually without running out of money. The most common SWR is 4%, based on the Trinity Study, which found this rate historically sustained portfolios for 30+ years.
Social Security can reduce your FIRE number because it provides guaranteed income starting at age 62-70. You can factor in expected Social Security benefits to lower the amount you need to save, though early retirees should plan for years before SS kicks in.
Lean FIRE targets minimal expenses (typically under $40,000/year), standard FIRE targets moderate expenses ($40,000-$100,000/year), and Fat FIRE targets higher spending ($100,000+/year) for a more luxurious retirement lifestyle.
Gold can provide stability during market downturns and help protect your path to financial independence.