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Income to FIRE Gap

Your FIRE Gap

See how far your current income trajectory falls short of your FIRE number — and exactly what it takes to close it.

Your Current Trajectory
Your FIRE Gap at Target Age
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shortfall between projected portfolio and FIRE number
FIRE Number
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target portfolio
Projected at Target Age
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on current trajectory
Current Trajectory vs. FIRE Target
What It Takes to Close the Gap —
Three Ways to Close the Gap
Strategy
Change
New FIRE Age
💰 Save moreBoost annual savings
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✂️ Spend lessLower your FIRE number
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📈 Earn moreExtra income, same lifestyle
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Assumes consistent savings and returns. Not financial advice. Predictable Income

Income to FIRE Gap Calculator

The Income to FIRE Gap Calculator reveals the harsh truth about your current financial trajectory by showing exactly how far short your projected portfolio will fall from your FIRE number at your target retirement age, then gives you three concrete levers to close that gap. Unlike other FIRE calculators that assume you'll just save more and wait longer, this one locks in your target age and reverse-engineers the math: how much extra you need to save annually, how much you'd need to cut expenses to lower your FIRE number, or how much additional income you'd need while keeping your lifestyle flat. It's the reality check that turns vague FIRE dreams into actionable plans, complete with a trajectory chart that visualizes the gap and mathematical scenarios that show you exactly what it takes to hit your target on time.