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FireFly
Plug in your savings rate and target spending — find your FIRE number and the years until financial independence.
Your FIRE number is roughly 25 × your annual spending, based on a 4% safe withdrawal rate. Lowering expenses both raises savings AND lowers the target.
Lean FIRE: minimal spending, retire fast. Fat FIRE: maintain a comfortable lifestyle, save longer. Coast FIRE: save enough early that compounding alone gets you to retirement.
Estimate monthly payments with taxes, insurance, and amortization.
OpenProperty price, down payment, tenure — EMI, processing fee, and stamp duty & registration.
OpenCompare loan terms and see total interest paid.
OpenProject growth from deposits and compounding interest.
OpenYour FIRE number
$950,000
Based on a 4% safe withdrawal rate
What you entered
Your FIRE number (target nest egg)
$38,000.00 × (100 ÷ 4)= $950,000.00Years to reach it, compounding savings and returns
solve for n: $40,000.00 × (1+r)ⁿ + $24,000.00/yr contributions = $950,000.00, at r = 7%/yr= 18.0 yearsResult
FIRE number: $950,000
At your current savings rate and expected return, you'd reach financial independence around age 48. Small increases to your savings rate compound into large reductions in years-to-FIRE.