Formula Library
FIRE Formulas
Financial Independence, Retire Early formulas for calculating your FIRE number and time to financial independence.
Barista FIRE Income Needed
intermediateCalculate how much part-time income covers the gap between portfolio withdrawals and living expenses.
=annual_expenses - (portfolio * withdrawal_rate) Coast FIRE Target Amount
intermediateCalculate the lump sum needed today so compound growth alone covers your retirement target using Google Sheets formulas.
=retirement_target / (1 + return_rate)^years_to_retirement FIRE Number Calculator
beginnerCalculate your Financial Independence Retire Early target based on annual expenses using a simple spreadsheet formula.
=annual_expenses * 25 Lean FIRE vs Fat FIRE Target
intermediateCalculate and compare minimal versus comfortable financial independence numbers side by side in a Google Sheets formula.
=annual_expenses / withdrawal_rate Safe Withdrawal Amount
beginnerCalculate how much you can withdraw from a portfolio each year and each month using the 4% rule in Google Sheets.
=portfolio_value * 0.04 Savings Rate
beginnerCalculate the percentage of income you save - the most important metric for building wealth and reaching financial independence.
=(income - expenses) / income Years to Financial Independence
intermediateCalculate how many years until you reach your FIRE number based on savings rate and expected investment returns.
=NPER(return_rate, -annual_savings, -current_savings, fire_number)