Net Worth to FIRE Ratio
One single number that tells you how far along you are on the path to financial independence — expressed as a percentage of the finish line.
Net Worth to FIRE Ratio Calculator
The Net Worth to FIRE Ratio calculator gives you one number that tells you exactly where you stand on the path to financial independence. You enter your assets (invested accounts, cash, home equity, other) and subtract liabilities to get your net worth, then set your annual retirement expenses and withdrawal rate to define your FIRE target. The calculator divides one by the other and returns a single percentage, slotting you into one of five stages from Starting Out to Financially Independent. A toggle lets you choose whether to count home equity toward the ratio, since most FIRE purists exclude it (you live in the house), but those planning to downsize or tap equity in retirement may want it included. The stacked bar chart breaks your net worth into its component parts laid against the FIRE target, so you can see at a glance not just how close you are, but what's actually getting you there.