Most FIRE calculators use oversimplified math. Our 8 Levers Framework reveals what you actually need to retire—and it's less than you think.
Free to calculate • No credit card required
Often worth $400K-1M in equivalent savings
Roth conversions & smart withdrawals
Flexibility increases safe withdrawal rate
You'll spend less as you age
Location flexibility = major savings
In MVPACA optimization & alternatives
Right-size your planning horizon
Guard against early bad returns
We'll start with the basics, then show you how to optimize.
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Using the simple 4% rule that most calculators use
You would need
to retire at age 55
The 4% rule ignores Social Security, assumes constant spending forever, and doesn't account for geographic flexibility. Let's see what your real number might be.
$800,000
Gap to close
8 years
At $100K/yr savings
4.0%
Withdrawal rate
We'll walk through 3 powerful levers that could significantly reduce what you actually need.
Enter your estimated monthly benefit at full retirement age (67). Check your statement at ssa.gov
New FIRE Number
$1,480,000
26% reduction
Research shows retirees spend more early (travel, hobbies), less in middle years, then potentially more on healthcare late. The 4% rule ignores this—it assumes constant spending forever.
Go-Go Years (55-70)
Active travel, hobbies, projects
Slow-Go Years (70-80)
Gradually decreasing activity
No-Go Years (80+)
Lower activity, potential care costs
New FIRE Number
$1,360,000
32% total reduction
You don't have to move permanently. Even spending part of the year in a lower-cost location can significantly reduce your FIRE number.
Your Optimized FIRE Number
$960,000
52% less than the naive calculation
Years of work saved
10.4 years
Current savings
$1,200,000
Simple 4% Rule
$2,000,000
What most calculators say
8 Levers Optimized
$960,000
52% reduction
Social Security Optimization
Factored in your combined benefits
Retirement Spending Reality
Applied declining spending curve
Geographic Arbitrage
Based in Portugal
Current Savings
$1,200,000
Optimized Target
$960,000
Status
✓ FI!
125% of the way there
You've only seen 3 of the 8 levers. The full analysis includes tax optimization, dynamic withdrawal strategies, healthcare planning, longevity modeling, and sequence of returns protection.
Create a free account to save these results, explore all 8 levers, run unlimited scenarios, and track your progress over time.
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