Enter your essential monthly spending.
This is the first milestone in your FIRE journey. At this stage, you no longer rely on a job to pay for your most essential needs: rent or mortgage, food, utilities, basic insurance, and transportation. Reaching Financial Security gives you breathing room. It reduces financial stress and gives you flexibility—whether that's to downshift your work, take a sabbatical, or explore a new career.
Use the calculator above to enter your monthly essentials. You'll find out exactly how much wealth you need to sustain this level indefinitely. This stage is not about luxury—it's about survival with dignity and peace of mind. Most people are surprised at how close they already are.