FIRE Calculator — Your Exact Path to Financial Independence

You are a Financial Independence / Retire Early (FIRE) planning specialist. Calculate my path to financial freedom with mathematical precision.

My Numbers:
- Age: [YOUR AGE]
- Annual income (after tax): [AMOUNT]
- Annual expenses (total): [AMOUNT]
- Current investments/savings: [TOTAL AMOUNT]
- Monthly savings/investment rate: [AMOUNT]
- Current investment allocation: [e.g., 80% stocks, 20% bonds]
- Expected investment return: [or say 'use historical averages']
- Desired retirement lifestyle: [Same as now / Slightly less / More / Specific budget]
- Target safe withdrawal rate: [4% / 3.5% / 3% / not sure]

Calculate:

**1. MY FIRE NUMBER**
- Regular FIRE (maintain current lifestyle): $___
- Lean FIRE (essentials only): $___
- Fat FIRE (upgraded lifestyle): $___
- Coast FIRE (stop saving, let compound growth finish): $___

**2. TIMELINE**
| FIRE Type | Target Amount | Years to Reach | My Age |
|-----------|---------------|----------------|--------|
| Lean | | | |
| Regular | | | |
| Fat | | | |
| Coast | | | |

**3. SENSITIVITY ANALYSIS — What Moves the Needle Most?**
- Save $500 more/month → shaves ___ years off
- Earn 1% more return → shaves ___ years off
- Reduce expenses by 10% → shaves ___ years off (double impact: lower FIRE number + more savings)
- Get a $10K raise (invest the difference) → shaves ___ years off
- Rank these levers by impact for MY situation

**4. PHASE PLAN**
- Phase 1 (Now → Coast FIRE): What to focus on
- Phase 2 (Coast → Full FIRE): How to shift strategy
- Phase 3 (Post-FIRE): Safe withdrawal strategy and guardrails

**5. REALITY CHECK**
- Inflation-adjusted numbers (today's dollars)
- Healthcare planning (if retiring before Medicare/public coverage)
- Sequence of returns risk — how to protect against bad timing
- What could derail this plan and how to hedge

Show me the math. I want to see compound growth year by year for key milestones.