Financial Independence · Retire Early
Find your
freedom number
Answer a few questions about your finances and we'll show you exactly what you need to retire early — and when you'll get there.
Step 1 of 5
Tell us about yourself
Your age and current savings are the foundation of every projection.
Personal info
Your investment accounts
Real estate (optional)
Mortgage tracked separately; excluded from your investable portfolio.
Step 2 of 5
Outstanding debt
Debt works against your FIRE number. Entering it gives you an honest picture — and a plan to beat it.
Credit card debt
US average credit card APR is ~22%. Check your statements for your exact rate.
Student loan debt
Federal rates for 2024–25: 6.53% undergrad, up to 9.08% for PLUS loans.
Other debt
Your mortgage is excluded here — tracked via home value above.
Step 3 of 5
Do you have a partner?
Two incomes and portfolios can dramatically accelerate your timeline.
Step 4 of 5
Income & contributions
How much are you investing each year?
Annual savings
Expected return
Historical S&P 500 nominal ~10%. Real (inflation-adjusted) ~7%. Conservative planners use 6%.
Step 5 of 5
Define your retirement life
Your FIRE number is driven entirely by how much you plan to spend.
Annual spending in retirement
Withdrawal rate strategy
Lower rate = larger FIRE number but more safety. Higher rate = smaller target but more risk.
Social Security (optional)
Check ssa.gov for your estimate. Leave blank to exclude.
Your FIRE number
The portfolio that funds your retirement forever
Your path to FIRE
Portfolio growth from today to age 65
Account breakdown
Where your money lives today
Milestone projections
Portfolio value at key ages (with contributions)