WealthExact
FIRE & Early Retirement
Financial independence means reaching a portfolio large enough that investment growth — not wages — covers your living expenses. Getting there requires knowing two things: how large that portfolio needs to be (your FIRE number), and how much you need invested right now for compounding to carry you the rest of the way (your coast number). The tools in this cluster make both numbers precise and transparent.
Every calculator here shows its formula, labels every assumption baked into the projection, and is honest about what it doesn't model — sequence-of-returns risk, tax treatment, and spending flexibility all matter and are called out explicitly rather than swept under a clean-looking number.
Start with the Coast FIRE Calculator to find out how much you need invested today for compounding to take you to financial independence with no further contributions. The safe withdrawal rate and full FIRE number tools follow.
Find out whether your current investments will coast to your FIRE number with no further saving — and if not, the gap and the age you'd get there.
Open tool →How much you can withdraw in retirement without running out — the 4% rule, its Trinity-study basis, and sequence-of-returns risk.
Your target nest egg for financial independence, with Lean and Fat variants.