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
6 min
What is FIRE?
Understand Financial Independence, Retire Early and how the concept connects savings, spending, and optionality.
Read insight5 min
Coast FIRE explained
Learn how Coast FIRE works and when your current portfolio may be able to grow on its own.
Read insight5 min
Lean FIRE explained
See how Lean FIRE differs from traditional FIRE and what tradeoffs it asks you to accept.
Read insight5 min
Fat FIRE explained
Understand Fat FIRE and how higher spending assumptions change your financial independence target.
Read insight5 min
Barista FIRE explained
Learn how Barista FIRE blends portfolio withdrawals with part-time income.
Read insightFAQ
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.