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
Have an idea? Request a feature →
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.
—
Rotate to landscape for a better chart view
| Milestone | Date | Age | Portfolio |
|---|---|---|---|
| Flamingo start | |||
| Full FIRE | |||
| Portfolio depleted |
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.
Why 50% of the FIRE number?
The Rule of 72: a portfolio earning ~7% real returns doubles roughly every 10 years with no new contributions. Reaching half your FIRE number means you're about one untouched decade from full financial independence — a clean milestone for downshifting out of full-time work. At 5% returns the doubling takes ~14 years; the calculator models your actual assumptions.
Flamingo FIRE vs Coast FIRE
Both let compounding finish the job, but the milestone differs. Coast FIRE targets the amount that grows to your FIRE number by traditional retirement age — possibly 20–30 years of coasting. Flamingo FIRE waits for half the FIRE number, so the coast phase is only about a decade and full early retirement arrives much sooner.
Flamingo FIRE vs Barista FIRE
Barista FIRE starts withdrawing from the portfolio during semi-retirement, with part-time income covering the gap. Flamingo FIRE keeps the portfolio completely untouched during the coast phase — your downshifted work covers all living costs. Flamingo preserves the doubling; Barista trades some of it for lower income needs.
What if I keep contributing during the coast phase?
Any contributions during semi-retirement shorten the coast phase — even small amounts compound on top of an already substantial portfolio. Advanced mode lets you model partial contributions and watch the full-FIRE date move.
Where to Go From Here
Found your Flamingo point? Compare the alternatives before you downshift: the Coast FIRE Calculator shows the longer-runway version, the Barista FIRE Calculator models drawing on the portfolio early, and the FIRE Calculator shows the straight-through path. To watch the doubling math itself, run your portfolio through the Compound Interest Estimator.
This tool is for educational purposes only and does not constitute financial advice. Results are estimates based on the assumptions you enter — past performance does not guarantee future results.