compound
FIRE Calculator 2026 — Financial Independence
FIRE calculator built on the 4% rule (Trinity Study) — enter annual expenses, current savings, and monthly investing to compute your FIRE number, years to financial independence, plus the two popular variants Coast FIRE (today's amount that compounds to full FIRE) and Barista FIRE (partial coverage with part-time work). Adjust real return and SWR to your risk profile.
Updated:
How to use
- Enter annual expenses. Total yearly spend for the lifestyle you want.
- Savings & contribution. Current amount and what you add each month.
- Set return + SWR. Assumed real return (default 5%) and SWR (4% Trinity default).
Key features
FIRE Number
Annual expenses × 25 (default SWR 4%, adjustable).
Years to FI
Bisection solver on the FV closed-form.
Coast FIRE
The amount today that grows to your FIRE Number by retirement.
Barista FIRE
Covers X% of expenses, rest from part-time work.
Real return
Use inflation-adjusted (real) returns, not nominal.
Progress bar
Visual % of how far you are on the path.
Why Treasury.to?
- ✓4% rule (Trinity)
- ✓Adjustable real return
- ✓Coast & Barista variants
- ✓Visual progress bar
- ✓Multi-currency
- ✓Instant
Frequently asked questions
What is the 4% rule?
The Trinity Study showed a 60/40 stocks/bonds portfolio can sustain 4% withdrawals (inflation-adjusted) for 30 years with a high success rate. A 4% SWR is the FIRE movement's anchor.
Coast FIRE vs Barista FIRE?
Coast FIRE: you already have enough that, with no further contributions, your assets will reach your full FIRE Number by retirement. Barista FIRE: you only need part-time income to cover what your assets don't yet support.
What real return should I use?
US stocks historical: ~7% nominal − 3% inflation ≈ 4–5% real. Conservative: 3–4%. Aggressive: 5–7%.
Do I need to account for inflation?
Yes — enter 'real return' (after inflation) so your FIRE Number is in today's dollars and doesn't need later adjustment.
Is the 4% rule safe for early retirement?
Many in the FI community drop to 3.25–3.5% for longer horizons (40+ years). Adjust the SWR field accordingly.