Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moFIRE = Financial Independence, Retire Early. Plug in your numbers and see your real FI Age, then explore the levers that pull it forward by 5–10 years.
FI target (25× rule)
25× annual expenses
Safe withdrawal rate
~4% (Trinity Study)
Avg US savings rate
~5%
FIRE community savings rate
30–70%
Enter age, income, savings, and goals — get a full Net Worth, PeakWorth, and FI Age projection in 2 minutes. No signup, no credit card, no email required.
Financial Independence happens when your investment portfolio is large enough that 4% of it (the historical safe withdrawal rate) covers your annual expenses. If you spend $80K/year, your FI number is $2M. Hit that, and work becomes optional.
The single biggest lever isn't return rate — it's savings rate. A 50% savings rate gets you to FI in ~17 years regardless of income; a 10% savings rate takes ~51 years. That's the entire game.
Lean FIRE: live on $30–40K/year, retire on $750K–$1M. Aggressive but achievable for low spenders. Fat FIRE: $100K+/year lifestyle, $2.5M–$5M+ portfolio. Coast FIRE: stop saving once your existing balance will compound to your FI number by age 65 — but keep working to cover current expenses. Barista FIRE: hit a smaller target, then take a low-stress part-time job for healthcare and supplemental income.
Most ignore taxes, healthcare costs, and the difference between pre-tax and post-tax accounts. PeakWorth™'s Quick Start models all of it — including federal and state taxes, Social Security, and realistic spending changes through retirement. (Like most planners, it uses a deterministic return assumption rather than a Monte Carlo simulation — but you can adjust that assumption to pressure-test the plan.)
A calculator alone tells you the payment. PeakWorth tells you what that payment costs your retirement — and how every change ripples through the next 30 years of your finances.
Withdraw 4% of your portfolio in year one of retirement, then adjust for inflation. The Trinity Study found this had a high success rate over 30-year retirement windows.
Yes — at moderate-to-high incomes with disciplined spending. The math just requires a high savings rate; the lifestyle question is whether you want to live below your means for 10–20 years to buy permanent freedom.
Roughly 25× your annual expenses, plus a healthcare buffer for the years before Medicare. For a $60K/year lifestyle, plan for ~$1.5M plus $200K healthcare buffer.
For FIRE before 62, ignore it. After 62, include it — but use 75% of the benefit estimate to be conservative.
Retirement
When Can I Retire? — A Calculator That Tells You The Year, Not Just A Number
Retirement
Coast FIRE Calculator — When You Can Stop Saving For Retirement
Retirement
Barista FIRE Calculator — Downshift Without Going Broke
Wealth
Savings Rate Calculator — The Single Most Important Number In Your Finances
Learn guides, true-cost calculators, and audience playbooks across the PeakWorth network.
Scenario
FI if you save 20% of income
The floor for traditional FI — each +5% chops 4–6 years.
Built for
PeakWorth for FIRE pursuers
Coast, barista, full FIRE — modeled in real time.
Built for
PeakWorth for late starters
Behind on retirement? The catch-up math is forgiving.
Free tool
See your full financial trajectory in 2 minutes
No signup. Real numbers. See your FI Age and net worth at every age.
Decision guide
Retiring
Withdrawal rate, sequence risk, healthcare bridge.
Compare
PeakWorth vs Schwab Intelligent Portfolios
“Free” robo with cash drag vs a real plan.
PeakWorth includes every loan calculator above — connected to your real income, expenses, and goals. Every number you change updates your live FI Age and lifetime projection.
