Stress-test spending
Run a base case, then try a higher spending number and a lower withdrawal rate to see how much margin you really have.
Estimate the portfolio you need, how long it could take to get there, what monthly savings target would hit your preferred date, and how much you need today to CoastFIRE by age 65.
LeanFIRE loads a $40,000 spending target, FatFIRE loads $100,000, and BaristaFIRE lets you offset expenses with part-time income.
Effective portfolio need uses annual expenses minus any ongoing part-time income offset.
CoastFIRE asks a different question: if you stop contributing now, how much invested today could compound into a full retirement portfolio by age 65?
Update any field to recalculate your path.
| Scenario | Portfolio at target age | Status |
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Run a base case, then try a higher spending number and a lower withdrawal rate to see how much margin you really have.
Partial income can lower the portfolio target, but only if the income is realistic and durable enough to count on.
If the required monthly savings looks unrealistic, shift the target age, raise income, lower expenses, or all three.
Pair this free calculator with the paid FIRE Number Calculator Kit for withdrawal-rate variants, healthcare planning, milestone tracking, and Roth ladder worksheets.
See the FIRE Calculator Kit →