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%5.0%10%
3%4.0%5%
Age 30Age 63
Coast ≈ age 73
Lean ≈ age 61
Full FIRE ≈ age 58
At this pace, you hit Full FIRE around age 58.0 (28.0 years from now). A smaller, Lean FIRE version shows up earlier around age 61.0. If you ever reach Coast FIRE (~age 73.0), future contributions matter much less than just letting time work.
Coast FIRE: 43.0 years
Lean FIRE: 31.0 years
Full FIRE: 28.0 years
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.