FIRE
Coast FIRE
Barista FIRE
Retirement
Liabilities & Debt
Net Worth
Live tax breakdown
Income & deductions
Gross income / revenue—
Traditional 401k deduction—
Traditional IRA deduction—
HSA deduction—
Standard deduction—
Taxable income—
Taxes owed
Federal income tax—
State income tax (on AGI)—
FICA (SS + Medicare)—
Total tax burden—
Effective rate—
Net take-home pay—
Monthly take-home—
Savings summary
Tax-adv.
$0
Other savings
$0
Total invested
$0
Savings rate
0%
Expense breakdown
Housing
Food
Transport
Healthcare
Other
FIRE projection · all projections in today's dollars (real terms)
4.0% withdrawal
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—
3.5% withdrawal
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3.25% withdrawal
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FIRE number today's $
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Years to FIRE
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FIRE age
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Savings rate
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Total annual savings
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Employer match
—
Net take-home / mo
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Effective tax rate
—
Wealth growth over time all values in today's dollars
Portfolio value
FIRE target
Contributions only
Savings rate vs. years to FIRE
Disclaimer: Flow Financial is for educational purposes only. Not financial advice. Consult a licensed financial advisor before making investment decisions.
What is Coast FIRE? Your portfolio is large enough that — with zero new contributions — compound growth alone will reach your full FIRE number by your target retirement age.
Using your profile: age —, retirement age —, retirement expenses —/yr, portfolio —, savings —/yr
Coast FIRE results
Coast FIRE number · today's dollars
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—
Full FIRE number
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Years to coast
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Coast age
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Already coasting?
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Portfolio projection to retirement
With savings
Coast path
FIRE target
What is Barista FIRE? Semi-retire with part-time income covering some expenses. Your portfolio only funds the gap — smaller target, earlier freedom.
Using your profile: age —, expenses —/yr, portfolio —, savings —/yr
Part-time income
All other inputs are pulled from your profile above.
Barista FIRE results
Barista FIRE number · today's dollars
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Full FIRE number
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Years to Barista FIRE
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Portfolio covers
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Part-time covers
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Barista vs. full FIRE timeline
Portfolio
Barista target
Full FIRE target
Using your profile: age —, retirement age —, life expectancy —, portfolio —, annual contribution —
Retirement projections
Nest egg at retirement
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Sustainable annual income
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Funds last until
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Surplus / shortfall
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Retirement readiness
—
Portfolio through retirement today's dollars
Accumulation
Distribution
LiabilitiesClick + to add debts
Liability summary
Total debt
$0
Monthly payments
$0
Total interest (lifetime)
$0
Avg. interest rate
—
Debt payoff strategy
Avalanche
Highest rate first
Snowball
Smallest balance first
Debt-free date
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Interest saved vs. minimums
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| # | Debt | Balance | Rate | Min. payment | Payoff |
|---|
Total net worth
$0
Assets minus all liabilities
Assets vs. liabilities
Total assets$0
Total liabilities$0
Asset breakdown
Net worth projection (30 years)