← Back to Finance Hub

Years to Freedom

A slider-friendly answer to: “If I keep going like this, when am I free?” Change your savings rate and returns to see how the years stretch or collapse.

5% 30% 80%
2% 5% 10%
3% 4% 5%
Age 30 Age 70
Coast
Lean
Full FIRE
Coast FIRE: –
Lean FIRE: –
Full FIRE: –

  • Watching years move is more powerful than watching balances grow.

    Money is just stored time. This tool tries to show you years of optionality, not just bigger numbers.

  • Coast, Lean, and Full are different games.

    Coast FIRE asks “what if I stopped saving?”, Lean FIRE asks “how little do I need?”, Full FIRE asks “what lets me sleep at night?”.

  • This is a thought experiment, not advice.

    Real life has layoffs, kids, health, and recessions. Use this as a conversation starter with yourself, not a verdict.