Everything FIRE.
Your FIRE Report. Where you are, what you need, how long is the journey going to be
Your path to coasting
Coast FIRE date
Coast FIRE means you already have enough invested that, with no more contributions, growth alone gets you to your FIRE number by retirement age. Find the date you can stop adding.
Your FIRE progress
How close you are to your FIRE number today, and where your current plan puts you in the years ahead. It updates as you move the sliders above.
Projections are in today's dollars and assume your yearly contribution and growth rate stay the same. Net worth assumes your other assets and debts stay the same.
Net worth percentile
The curve shows how many people hold each amount. A log scale is used, so each step to the right is ten times more.
What your peers have
Get a monthly FIRE update
Once a month we'll email you how you're trending toward your goal: your progress, your net worth and where you stand against your peers.
RSU and stock option wealth
Split your net worth into liquid money you can use and paper wealth that depends on vesting, an IPO or the share price.
How it works
Percentile. We start from the Federal Reserve's Survey of Consumer Finances. Median net worth for each age group comes from the 2025 survey (released October 2026). We estimate how wealth spreads around that median using the gap between the average and the median in the 2022 survey, then place you on that curve. Treat it as a rough guide, not an exact rank.
Metro area. The metro choice scales your peer group with an illustrative local adjustment. It is not measured local wealth data, so treat it as a rough estimate.
Coast FIRE. Everything is in today's dollars. Your FIRE number is yearly spending divided by the withdrawal rate. The coast number is the amount that grows to your FIRE number by retirement age with no more contributions.
FIRE progress. Progress is what you have invested today divided by your FIRE number. For each future year we grow your investments with your yearly contribution and growth rate, and compare your projected net worth to your peers at that age.
RSUs and options. Equity is taxed at one flat rate you choose. Vested shares of a public company count as liquid. Unvested equity, and any equity in a private company, counts as paper. Option value is the share price minus the strike price.
Firewatch provides general educational tools, not personalized financial, investment, tax or legal advice. Results are estimates. Talk to a licensed professional before making decisions.