FIRE
Coast FIRE
Barista FIRE
Retirement
Income & Savings
Withdrawal rate
4.0%Trinity Study
3.5%Conservative
3.25%Very safe
Investment allocation & returns
Stocks
70%
Bonds
20%
CDs/T-Bills
10%
Blended expected return
8.2%
Expense breakdown
Housing
Food
Transport
Healthcare
Other
Your FIRE projection
4.0% withdrawal
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3.5% withdrawal
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3.25% withdrawal
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FIRE number
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Years to FIRE
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FIRE age
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Savings rate
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Monthly savings
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Net monthly income
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Wealth growth over time
Portfolio value
FIRE target
Contributions only (no returns)
Savings rate vs. years to FIRE
Disclaimer: Flow Financial is a planning tool for educational purposes only. Projections use simplified models and historical return assumptions. This is not financial advice. Past market performance does not guarantee future results. 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 traditional retirement age. Once you hit your coast number, you only need to earn enough to cover living expenses.
Your details
Coast FIRE results
Coast FIRE number
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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 contributions
Coast path (no new savings)
FIRE target
What is Barista FIRE? Semi-retire early with part-time or passion-project income covering some expenses. Your portfolio only needs to fund the gap — so your target nest egg is smaller and your freedom date is sooner.
Your details
Barista FIRE results
Barista FIRE number
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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 growth
Barista FIRE target
Full FIRE target
Retirement planner
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
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Portfolio through retirement
Accumulation phase
Distribution phase
Disclaimer: Flow Financial is a planning tool for educational purposes only. All projections are estimates based on simplified models. This is not financial advice. Consult a licensed financial advisor before making investment decisions.