🔥 Ignition Parameters
The classic FIRE benchmark is 4%.
The Escape Velocity Curve
The FIRE Math: Engineering Your Escape Velocity
Early Retirement (FIRE - Financial Independence, Retire Early) isn't about the size of your paycheck; it's about the ratio of your savings to your lifestyle. The Early Retirement Accelerator models the threshold where your investments earn more in a year than you spend.
Our dashboard identifies your "FIRE Number"—the total portfolio size required to fund your life indefinitely. By adjusting your Safe Withdrawal Rate (SWR) and savings rate, you can visualize exactly how every dollar saved today pulls your retirement date closer by days, months, or years.
The Rules of Early Exit
A standard heuristic for Lean FIRE. Once you have 25 times your annual expenses invested, you are mathematically independent.
Increasing your savings rate from 10% to 50% doesn't just double your speed; it collapses your working life from 40 years to ~17 years.
The point where you no longer need to add money to your retirement accounts; time alone will grow your current balance to your FIRE goal.