FIRE Progress Tracker

See where you stand. Net worth, FIRE target, and how close you are to financial independence.

Your numbers

Annual Expenses ($/year)

Safe Withdrawal Rate (%)

Assets

Investment Accounts (401k, IRA, brokerage)

Real Estate Equity

Savings / Cash

Other Assets

Liabilities

Mortgage Balance

Other Debt (student loans, car, etc.)

What counts

Only invested assets push you toward FIRE — not home equity unless you plan to sell. Your mortgage offsets real estate equity. Debts reduce net worth but don't generate FIRE income.

The standard approach: low-cost index funds, minimal fees, compound growth. Your FIRE number is a one-time calculation. Your progress updates as your portfolio grows.

How FIRE number is calculated

FIRE Number = Annual Expenses ÷ SWR. At 4% SWR, that's 25x your annual expenses. At 3.5% SWR (more conservative), that's about 28.5x.

This tracker is for educational purposes only. FIRE depends on taxes, Social Security, pensions, healthcare, and spending flexibility. Not financial advice.