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Loading your FIRE path...
Enter your numbers to see your timeline
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Years to FIRE
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FIRE Number
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25x annual expenses
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Years to FI
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At current savings rate
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Coast FIRE
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Stop saving, retire at 65
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Safe Withdrawal
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4% rule annual income
🎯 FIRE Verdict
Loading your path to financial independence...
💰 Your Numbers
The inputs that determine your freedom date
📊 Your FIRE Profile
Where you stand right now
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FIRE Scenarios
Traditional, Coast, and Barista FIRE — three paths to freedom
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Savings Rate Impact
See how increasing your savings rate dramatically shortens your timeline
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FIRE Milestones
Your portfolio growth year-by-year with milestones along the way
Portfolio Growth to FIRE
Savings Rate vs Years
FIRE Scenario Comparison
Income Allocation
FIRE Independence Report
Vault & Vessel Studio ·
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How To Use
Find out when work becomes optional — based on YOUR actual numbers
🚀 Getting Started
1
Enter Your Income & Expenses
After-tax income (what actually hits your account) and total annual spending. The gap between these two numbers is the most important metric in FIRE.
2
Add Your Invested Assets
Everything invested for growth: 401k, IRA, brokerage, HSA. Don't include home equity, emergency fund, or checking accounts.
3
See Your FIRE Date
Your FIRE number (25x expenses), years to reach it, and Coast/Barista FIRE alternatives. Adjust the savings rate slider to see how powerful small changes are.
4
Explore Scenarios
Traditional FIRE, Coast FIRE (stop saving and let compounding finish), and Barista FIRE (work part-time to cover basic expenses). Pick your path.
📊 Terms Made Simple
FIRE Number: 25 times your annual expenses. This is the portfolio size where you can live off investments forever using the 4% rule. Spend $45K/year? Your FIRE number is $1,125,000.
Savings Rate: The percentage of take-home pay you invest. This is the single biggest lever in FIRE. Going from 20% to 40% can cut a decade off your timeline.
Coast FIRE: The point where your current investments will grow to your FIRE number by age 65 — even if you never save another dollar. You just need to cover current expenses.
Barista FIRE: You have enough invested that part-time income covers your expenses while investments grow. Named because you could work at a coffee shop and still be on track.
4% Rule: Withdraw 4% of your portfolio per year in retirement. Based on the Trinity Study — historically, this rate has survived 30+ years of withdrawals through every market condition.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Returns are not guaranteed and past performance doesn't predict future results. Use as a planning tool, not a promise.