FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to allow early retirement from traditional employment. The core principle is to save and invest aggressively—somewhere between 50-75% of your income—so you can retire in your 30s, 40s, or 50s.

Our calculators use industry-standard formulas and assumptions. While they provide good estimates, actual results may vary based on market conditions, inflation, and personal circumstances. We recommend using these as planning tools and consulting with financial advisors for personalized advice.

Traditional FIRE aims for standard retirement with 25x annual expenses. Coast FIRE focuses on early savings that grow without additions. Barista FIRE includes part-time work to cover some expenses. Fat FIRE maintains a luxurious lifestyle with higher spending. Lean FIRE embraces minimalism with lower annual expenses.

Yes, all our financial calculators are completely free to use. No registration, subscription, or payment required. We believe financial planning tools should be accessible to everyone.

We recommend reviewing your FIRE calculations annually or whenever there's a significant change in your income, expenses, or financial goals. Market conditions, lifestyle changes, and inflation can all impact your FIRE timeline.

No, all calculations are performed locally in your browser. We don't store, save, or transmit any personal financial information. Your data stays on your device and is never sent to our servers, ensuring complete privacy and security.