FIRE Calculators
Compare FIRE, Coast FIRE, Lean FIRE, Fat FIRE, and Barista FIRE calculators in one place.
Featured calculators
All calculators in this category
How these tools differ
Start with the tool that matches your immediate question, then open a second calculator to pressure test the result from another angle.
FIRE Calculator
Estimate when work may become optional based on savings, returns, and desired annual spending.
Coast FIRE Calculator
See when your current balance may be large enough to grow on its own toward traditional retirement.
Lean FIRE Calculator
Model a lower-spend early retirement plan with a disciplined target lifestyle.
Fat FIRE Calculator
Stress test a higher-spend financial independence target with premium lifestyle assumptions.
Barista FIRE Calculator
Model a flexible retirement path that combines portfolio withdrawals with part-time income.
Related guides
What is FIRE?
Understand Financial Independence, Retire Early and how the concept connects savings, spending, and optionality.
Why read this
FIRE is less about chasing a dramatic exit date and more about building enough invested assets that work becomes optional on your terms.
Coast FIRE explained
Learn how Coast FIRE works and when your current portfolio may be able to grow on its own.
Why read this
Coast FIRE focuses on a different milestone: the point where your existing invested assets may be enough to grow into a traditional retirement target without new retirement contributions.
Lean FIRE explained
See how Lean FIRE differs from traditional FIRE and what tradeoffs it asks you to accept.
Why read this
Lean FIRE describes an early-retirement plan built around a lower ongoing spending target and tighter lifestyle assumptions.
Fat FIRE explained
Understand Fat FIRE and how higher spending assumptions change your financial independence target.
Why read this
Fat FIRE is the higher-spending version of financial independence, built for households that want more margin, comfort, and flexibility in retirement.
Barista FIRE explained
Learn how Barista FIRE blends portfolio withdrawals with part-time income.
Why read this
Barista FIRE describes a flexible middle ground where a smaller portfolio is supported by part-time or lower-stress income after leaving full-time work.
FAQ
What is the difference between FIRE and Coast FIRE?
FIRE asks when work becomes optional. Coast FIRE asks when your current portfolio is large enough to grow to a later retirement target without new contributions.
Which FIRE calculator is best for flexible retirement?
Barista FIRE is usually the best starting point if you expect part-time income after leaving full-time work.