About FIREPath
FIREPath is a free, open-access FIRE (Financial Independence, Retire Early) calculator that compares all five FIRE types on one interactive timeline. Our goal is to give anyone — whether a seasoned investor or a curious newcomer — a precise, transparent tool for exploring their path to financial independence.
What we do
Most FIRE calculators handle one retirement scenario at a time. FIREPath calculates Lean, Regular, Fat, Coast, and Barista FIRE simultaneously, displaying all five on a single interactive timeline so you can see, at a glance, how each target compares under the same assumptions.
All calculations run entirely in your browser. We do not send your financial inputs to a server, store them without your consent, or share them with advertisers. The math is fully documented.
Our editorial standards
Every formula is documented in our methodology. No proprietary black boxes — you can verify every number.
Default assumptions (4% SWR, 7% nominal return, 3% inflation) are grounded in peer-reviewed research and publicly cited. See our sources list.
When a FIRE target cannot be reached by age 80 under your inputs, we show “80+” — not a fabricated date. Projections are estimates, not guarantees.
Educational purpose
FIREPath is designed for educational and informational purposes only. The calculator helps you explore scenarios and understand the mechanics of long-term investing and retirement planning. It does not constitute financial advice, investment advice, tax advice, or legal advice.
Real investment returns vary. Market conditions, taxes, sequence-of-returns risk, and personal circumstances all affect outcomes that no calculator can fully capture. Always consult a qualified financial advisor, tax professional, or attorney before making significant financial decisions.
Affiliate and advertising disclosure
FIREPath may display advertising (served by Google AdSense) and may include affiliate links to third-party products or services. If you click an affiliate link and make a purchase, we may receive a commission at no additional cost to you. Affiliate relationships do not influence the objectivity of our calculator formulas, methodology, or editorial content. We only link to services we believe are relevant to FIRE planning.
Premium subscribers never see advertisements. See our Privacy Policy for details on how advertising cookies are handled.