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//// Financial · FIRE & Retirement

Financial Independence Number Calculator

How much do you need to never work again? Get your FI number at three expense tiers, years to reach each one, Coast FI number, and the monthly savings needed to retire by your target age.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Monthly Expenses

Investment Assumptions

Your Current Position

$1.1M
Essential FI
Must-haves only · $3,500/mo
7% funded18 yrs
$1.5M
Full Lifestyle FI
Essential + lifestyle · $5,000/mo
5% funded22 yrs
$1.8M
Dream Life FI
Everything included · $6,000/mo
4% funded24 yrs
Years to Full FI
22 yrs
At $2,000/mo savings
FI Monthly Income
$5,000
4% SWR + $0/mo SS
Coast FI Number
$316K
By age 55
Savings Needed (Full FI)
$1,785
To retire at 55

Milestones

25% of Essential FI$263K
50% of Essential FI$525K
Essential FI$1.1M
Full Lifestyle FI$1.5M
Dream Life FI$1.8M

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