Lean FIRE
$1,050,000
Essential spending only at a 4% withdrawal rate.
Retirement assumptions
$1,500,000
Your retirement number
$1,135,191
Gap vs current trajectory
$1,638
Required monthly contribution
25
Years to retirement
$1,500,000
FIRE number at 4%
$1,216
Monthly income from current savings
FIRE target scenarios
Base FIRE
$1,500,000
Current desired income at the classic 4% rule.
Buffered FIRE
$1,971,429
15% spending buffer and 3.5% withdrawal rate.
Risk flags
Inflation-adjusted conservative trajectory misses the base FIRE number.
Withdrawal rate is above your selected safe-withdrawal assumption.
Action plan
- 1. Build current savings toward $349,498 to reach Coast FIRE without new contributions.
- 2. Separate income needs into $42,000 essentials and $18,000 lifestyle spending before finalizing the target.
- 3. Buffered FIRE needs either more savings, a later retirement age, or lower spending by about $1,389,308.
FIRE date estimator
282
Estimated months to FIRE
23.5
Estimated years to FIRE
Nov 2049
Projected FIRE date
Progress to FIRE target5.7%
Coast FIRE and state pension
$1,200,000
Retirement number with benefit
20.0%
Benefit coverage
Not yet
Coast FIRE milestone
Withdrawal phase modelling
$5,000
Monthly retirement income
Lasts
Portfolio runout age
Higher
Lasting probability estimate
Savings rate impact table
| Savings rate | Years to FIRE | Retirement age |
|---|---|---|
| 10% | 36.1 | 71.1 |
| 15% | 32.6 | 67.6 |
| 20% | 29.9 | 64.9 |
| 25% | 27.7 | 62.7 |
| 30% | 25.8 | 60.8 |
| 35% | 24.3 | 59.3 |
| 40% | 22.8 | 57.8 |
| 45% | 21.7 | 56.7 |
| 50% | 20.6 | 55.6 |