Your guided path to early retirement
All-in-one and free — start simple with sourced defaults, for you and your partner, healthcare and all.
Assumes 7%/yr real return · 4% rule · current savings compounded to your FIRE age.
New to FIRE? It just means Financial Independence, Retire Early. Read the beginner’s guide →
Four paths to reach early retirement
Each path is a different way to fund the years after work. Pick the one that sounds like you — you can switch anytime.
Portfolio Drawdown FIRE
Build up your savings, then spend them down gradually.
- Simplest, most common
- Works with index funds
- Spend savings gradually
Coast FIRE
Save enough now, then stop — your investments grow on their own to a normal-age retirement.
- Stop saving for retirement
- Just cover today's expenses
- Best if you start young
Principal-Preserving FIRE
Live off the income your investments produce — without touching your savings.
- Never spend your savings
- Live off investment income
- Good if you've saved a lot
Income Stream FIRE
Cover your costs with steady income like pensions, rentals, or Social Security.
- Uses pension / rental / SS income
- No need to sell investments
- Good if you have steady income
Free calculators that sharpen every assumption
Estimate Social Security, health insurance through Medicare, mortgage, and more — then feed each result straight back into your numbers.