Learn · FIRE

What is FIRE?

Financial Independence, Retire Early — a framework for modeling when work becomes optional. You estimate spending, savings, and invested assets; compound growth shows how long until your portfolio could cover that spending.

Wallie tracks patterns, explains what it sees, and models scenarios from your assumptions. Wallie is not a bank, financial advisor, investment advisor, tax advisor, or legal advisor. FIRE scenarios are illustrative only — not a retirement or investment recommendation.

The core idea

The 25× rule (modeled)

A common modeling shortcut: multiply annual spending by 25 to get a target portfolio size. That pairs with a 4% reference withdrawal rate — both are assumptions you can change in Wallie.

Illustrative target

Annual spending × 25 = Modeled FI target

Example: $60,000/year × 25 = $1.5M modeled target. Your savings rate and expected return determine how many years compound growth needs to close the gap from where you are today.

Paths people model

FIRE styles

Labels for different spending and lifestyle assumptions — illustrative only, not recommendations on how to live or invest.

Lean FI

Model a leaner budget — illustrative only, not a recommendation to spend less.

Traditional FI

A typical modeled path using moderate spending assumptions.

Chubby FI

More cushion than lean or traditional — still illustrative, not advice on how to live.

Fat FI

Model a higher spending level — illustrative only.

Barista FI

Useful when you expect some earned income after your target age — modeled, not guaranteed.

Coast FI

For when you want to model pausing savings and coasting on invested assets.

In the app

How Wallie models it

Link accounts for a live net worth baseline, pick a modeled path, and turn the dial on savings — your independence countdown and projection curve respond instantly.

01 · Net worth

Ready to model your path?

Create a free account — connect accounts and run your first FIRE scenario in minutes.