FIRE: Retirement Projection

Wealthy isn’t rich.

It’s a state of being. Wealthy means your money can support your life without requiring your time in return.

Most people picture financial independence as one enormous, distant finish line. It isn’t. You cross three.

FIRE Projection shows your path through Coast FIRE, Barista FIRE, and Full FIRE — and projects the age and year you reach each one. You may already be further along than you think.

YOUR PATH

• Coast FIRE — Your current investments can compound to your full number by your target retirement age without another dollar added. You can stop saving and let compounding finish the climb.

• Barista FIRE — Part-time income covers part of your spending while your portfolio bridges the rest and continues toward Full FIRE. You can leave full-time work.

• Full FIRE — Your investments alone can cover your spending at about a 4% annual withdrawal rate. Work becomes optional.

Each milestone is shown age-first, with a year and countdown based on today’s numbers. If you have already crossed one, the app tells you what that milestone gives you permission to do.

THE MATH

Spend $5,000 a month. That is $60,000 a year.

Multiply $60,000 by 25. Your Full FIRE number is $1,500,000.

A 4% annual withdrawal from $1,500,000 is $60,000 — the amount you spend.

That is the withdrawal math. Separately, FIRE Projection uses a default 6.5% real return after inflation, compounded monthly, to estimate how your investments could grow toward each milestone.

It is a projection, not a promise. The assumptions are visible, and the arithmetic is simple enough to check yourself.

WHAT YOU ENTER

Start with three money estimates:

• Invested today • Saving each month • Spending each month

Then add your birth date and target retirement age. Those two facts turn a distant portfolio target into a personal Coast, Barista, and Full FIRE ladder.

Five things you can answer today. No guesses about future raises, inheritance probabilities, or interest rates decades from now.

MOVE THE LEVERS

Change your saving, spending, target retirement age, assumed part-time income, or return assumption. Watch the projected milestone dates move.

The point is not merely to see when you reach financial independence. It is to understand what can bring each stage closer.

WHY EVERY OTHER TOOL FELT WRONG

Most retirement calculators ask you to predict things you cannot know. You make forty guesses, the answer changes with every one, and the result disappears inside hidden defaults or a probability cloud nobody explains.

FIRE Projection starts with the life you have now. Your balance. Your saving. Your spending. Your age. Your target.

The assumptions stay visible. The math stays understandable. The result is a path you can act on.

WHAT PREMIUM ADDS

Premium lets the model reflect your real financial life:

• Multiple invested accounts • Multiple saving streams • Snapshot history • Social Security NPV • An editable real return rate • CSV export

FIRE Projection is free to download. A 30-day trial unlocks the full app, with monthly and annual subscription options afterward.

Not forty guesses. Three milestones, honest math, and the levers that bring freedom closer.

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