YOUR BASELINE
One life. Five ways to fund it.
Use today's dollars. These estimates illustrate planning trade-offs, not investment advice.
YOUR TRADITIONAL FIRE NUMBER
$1,000,000At a 4.0% withdrawal rate, this is the portfolio designed to support $40,000 of annual necessary spending.FIVE PATHS, ONE VIEW
How much capital does each path ask for?
Coast is shown as the capital required today; its future target is the same as Traditional FIRE.
| FIRE path | Assumption | Portfolio number | Estimated time | What it represents |
|---|---|---|---|---|
| Lean FIRE | $28,000 annual spending | $700,000 | 15.0 years | A deliberately leaner version of your baseline. |
| Traditional FIRE | $40,000 annual spending | $1,000,000 | 20.1 years | Your full current necessary-spending baseline. |
| Fat FIRE | $64,000 annual spending | $1,600,000 | 27.7 years | More room for comfort, choice and extras. |
| Coast FIRE | 20 years at 7.0% nominal growth | $383,997Future target: $1,000,000 | 7.7 yearsThen grow for 20 years | Capital needed today to grow into an inflation-adjusted future target. |
| Barista FIRE | $500 / month flexible income | $850,000 | 17.7 years | Portfolio needed while flexible income covers the rest. |
YOUR CURRENT DIRECTION
Which path are you exploring?
This is not a commitment. Saving a baseline simply gives your future check-ins something calm and concrete to compare with.
You can change this choice whenever your plans change.
TIME AND CAPITAL
What can your portfolio grow into?
Each colored line uses the same current portfolio, monthly contribution, nominal return and inflation assumptions. It stops at that path's inflation-adjusted target.
The time chart assumes $150,000 invested today, $1,500 invested each month, 7.0% nominal annual return and 2.0% annual inflation. Spending rises with inflation; new investments also rise with inflation. Return and withdrawal-rate assumptions are uncertain.