Overview / FIRE Plan
Net Worth
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FIRE Plan & Progress

Track your path to Financial Independence, Retire Early

Note: Self-occupied property excluded from FIRE corpus (see methodology below)

Target FIRE Corpus
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Current Corpus
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Progress
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Estimated FIRE Age
-

FIRE Variants

Calculation Methodology

Inflation-Adjusted Targets

All FIRE targets are calculated using 6% annual inflation to ensure your corpus maintains purchasing power. Your current annual expenses are projected to retirement age using the formula:

Future Expenses = Current Expenses × (1.06)Years to Retirement

Lean FIRE

Target: Future Expenses × 20
Withdrawal Rate: 5% annually
Lifestyle: Minimal, frugal living

Regular FIRE

Target: Future Expenses × 25
Withdrawal Rate: 4% annually
Lifestyle: Comfortable living (Trinity Study)

Fat FIRE

Target: Future Expenses × 33.33
Withdrawal Rate: 3% annually
Lifestyle: Luxury, high spending

Barista FIRE

Target: (Future Expenses × 0.7) × 25
Withdrawal Rate: 4% annually
Lifestyle: Semi-retirement + part-time income

Important: Self-Occupied Property Excluded

Your self-occupied residential property is NOT included in FIRE corpus calculations. Here's why:

Not Income-Generating: Your primary residence doesn't produce rental income or withdrawable cash flow for living expenses.
Essential Living Need: You need a place to live in retirement - selling your home would require purchasing or renting another.
Illiquid Asset: Real estate cannot be partially sold for monthly expenses - it's an all-or-nothing asset.
FIRE Methodology: Standard FIRE calculations focus on liquid, income-generating assets (stocks, bonds, rental properties) that can sustain withdrawals.

💡 Note: While self-occupied property adds to your total net worth, it's excluded from FIRE corpus to ensure realistic retirement income projections. Investment properties generating rental income ARE included.

Personalized Recommendations

Corpus Growth Projection

Corpus Composition

What-If Scenario Planner

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