Fill in what you know — tap any ⓘ for a plain-English explanation of any field.
Personal Info
🥗
Lean
<$40K/yr
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Regular
$40–80K
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Fat
$100K+
⛵
Coast
Stop saving
☕
Barista
Part-time
Your Income
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💜 Add Partner / Spouse Financials
Combine household income, assets & contributions for a full picture
Partner / Spouse Details
Partner Income
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Partner Assets & Accounts
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Spending & Expenses
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🎯Annual spending × 25 = your FIRE Number. Cutting $500/mo from expenses slashes your FIRE Number by $150,000 AND accelerates savings.
Your Assets & Accounts
Tax-Advantaged Retirement
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Taxable & Other Assets
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Debts & Liabilities
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💡Add up your mortgage payment, minimum credit card payments, car payments, and student loan payments from your statements. This is the number lenders and financial advisors actually use.
Return & Tax Assumptions
📌All projections use real (inflation-adjusted) returns — meaning all values shown are in today's purchasing power. A 7% real return already accounts for ~3% inflation, so a $1.5M FIRE number in your projection means $1.5M in today's dollars, not future inflated dollars.
7%
💡JL Collins: long-term index investors have historically earned ~7% real. Use 5–6% if you want to be conservative.
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📊 Progress History▸
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