How much do you need to retire early? Calculate your financial independence target and timeline using the 4% rule.
M1 Finance — free automated investing with no trading fees, auto-rebalancing, and fractional shares. Perfect for FIRE investors on autopilot.
Open Free M1 Finance Account →| Type | Annual Spending | FIRE Number (4% rule) |
|---|---|---|
| Lean FIRE | $20K–$40K | $500K–$1M |
| Regular FIRE | $40K–$80K | $1M–$2M |
| Fat FIRE | $100K+ | $2.5M+ |
| Coast FIRE | Any | Stop contributing; let compound growth do the work |