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.
Your FIRE number
$1,200,000
At a 4% withdrawal rate on $48,000/yr of expenses.
Coast-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.