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FIRE guides

Plain-English answers to the questions behind every number in the calculator. Updated with 2026 figures.

Start here: What is FIRE?The movement, the math behind your FIRE number, and why savings rate matters more than income.The 4% rule, explainedWhere the 4% rule came from, how it works year to year, and when early retirees should use less.What is Coast FIRE?The point where you can stop saving for retirement and let compounding finish the job.What is Barista FIRE?Semi-retire on a smaller portfolio by letting part-time work cover part of your spending.How much do I need to retire at 45?Targets by spending level, what to save each year, and the costs most calculators leave out.Using retirement money before 59½Roth ladders, the Rule of 55, 72(t) and taxable accounts: how early retirees avoid the 10% penalty.The FIRE number in every stateWhat the same lifestyle takes to retire on in all 50 states, from official 2024 price data.
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