FIRE stands for Financial Independence, Retire Early. At its core it is a simple proposition: build a portfolio large enough that the income it generates covers your annual expenses, indefinitely.
The most common rule of thumb is the "25x rule" — multiply your annual expenses by 25 and you get a rough FIRE number. The reasoning comes from the 4% safe withdrawal rate, which a series of historical studies suggest is a sustainable rate to draw down a diversified portfolio.
In practice, FIRE is less about quitting your job at 35 and more about understanding the relationship between your savings rate, your portfolio return, and your timeline. A 20% savings rate gives you a very different trajectory than a 50% one — and the calculator in Finanzya makes that trade-off concrete.
There are flavours: Lean FIRE (low annual expenses, smaller target), Fat FIRE (high expenses, much larger target), Barista FIRE (cover most expenses with the portfolio, top up with part-time work), Coast FIRE (stop contributing, let compounding do the rest). They all share the same math; only the inputs change.
Is it realistic? It depends on what you mean. Hitting traditional retirement age with a comfortable cushion is realistic for most people who track and invest deliberately. Retiring at 40 on a high salary with a 60% savings rate is also realistic — for the small group of people who can pull that off. What FIRE really gives you, regardless of when you actually stop working, is optionality.
The honest version is this: Finanzya is not going to make you wealthy. But it will show you, in numbers you can act on, how the choices you make today compound into the picture you will be living in twenty years from now.