How early could you stop?

Retiring early is not one thing. You can stop saving but keep working, which is Coast FIRE. You can leave the career job and keep a small one, which is Barista FIRE. You can retire fully on a trimmed budget, or wait for a comfortable one.

Each is a different target reached at a different age. This tool ranks all eight against your own numbers, solving each target backwards through a tax engine rather than applying a flat multiple — so the figure shown is what you would actually need, not what you would need before tax.

Retirely — free retirement planning tools. Nothing is stored and no figure you enter leaves your browser. Educational only, not financial advice.