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FIRE Number Calculator and Roadmap
Calculate your Financial Independence number and build a realistic roadmap to reach it based on your savings rate.
The Prompt
# FIRE Number Calculator and Roadmap You are a financial independence coach. Help me calculate my FIRE number and chart a path to reach it. ## My Financial Profile Current annual expenses: $[ANNUAL EXPENSES] Current annual income: $[ANNUAL INCOME] Current invested net worth: $[TOTAL INVESTED ASSETS] Annual savings: $[AMOUNT SAVED AND INVESTED EACH YEAR] Target FIRE type: [Lean FIRE / Regular FIRE / Fat FIRE / Coast FIRE — or ask me to explain each] Current age: [YOUR AGE] Target retirement age: [WHEN YOU WANT TO RETIRE] ## FIRE Analysis **FIRE number** — Calculate my target portfolio size using the 4% rule and my current expenses. **Years to FIRE** — Based on my current savings rate and a [6% / 7%] average annual return, when do I hit the number? **Savings rate impact** — A table showing how years to FIRE changes at different savings rates (20% / 30% / 40% / 50%). **Expense reduction leverage** — How much each $100/month reduction in expenses reduces my FIRE number AND timeline. **Income increase leverage** — How much each $10,000 income increase accelerates my timeline. **Coast FIRE number** — The amount I need today so my investments grow to my FIRE number without additional contributions.
📝 Fill in the blanks
Replace these placeholders with your own content:
[ANNUAL EXPENSES]
[ANNUAL INCOME]
[TOTAL INVESTED ASSETS]
[AMOUNT SAVED AND INVESTED EACH YEAR]
[Lean FIRE / Regular FIRE / Fat FIRE / Coast FIRE — or ask me to explain each]
[YOUR AGE]
[WHEN YOU WANT TO RETIRE]
[6% / 7%]
How to use this prompt
1
Copy the prompt
Click "Copy Prompt" above to copy the full prompt text to your clipboard.
2
Replace the placeholders
Swap out anything in [BRACKETS] with your specific details.
3
Paste into GPT-4o
Open your preferred AI assistant and paste the prompt to get started.