Flamingo FIRE Calculator

Model your glide path from full-time work through the Flamingo phase to full FIRE by blending your savings plan, optional cash-flow events, and historical market performance.

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› Inputs
Drag to resize · click to hide inputs
Time until flamingo start
Capital at flamingo start age
Capital at full FIRE age
Coast FIRE

Progress Towards Your Goal

Current
$0
Full FIRE
$0
Flamingo
$0
Advanced Metrics
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Savings efficiency ? Compares the dollars you add to investments against the growth needed to stay on track, highlighting whether contributions or market gains are doing the heavy lifting right now.

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Achievement breakdown ? Visualizes progress toward Flamingo, full FIRE, and your coast buffer so you can quickly spot which milestone is closest and where more savings may be needed.

Flamingo target 0%
Full FIRE target 0%
Coast buffer ? Shows progress toward the balance needed to coast: it divides your projected full FIRE portfolio, assuming you stop contributing now, by the required amount. 100% means you can coast; values above 100% indicate extra buffer. 0%

Peak burn rate ? Highest monthly spending across all phases up to and including the Flamingo phase so you can see if spending pressure ever spikes beyond what feels comfortable.

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Milestone Date Age Portfolio
Flamingo start
Full FIRE
Adjust Inputs
39 Age
48 Flamingo
$150K Net Worth

About the Flamingo FIRE Calculator

The Flamingo FIRE strategy is a 2-phase path to financial independence: first accumulate to approximately 50% of your Full FIRE number (the Flamingo point), then let compound growth carry your portfolio to full FIRE while you work part-time or reduce expenses. This free Flamingo FIRE Calculator models both phases — showing exactly when you reach your coast point and when you achieve full financial independence.