Stoia

Retire Early: The FIRE Path Without the Hype

Your number, your savings rate, Coast and Barista variants, and how to draw down without fear. The free, math-first path to optional work.

For savers aiming at independence decades before 65.

  1. GuideWhat Is FIRE? Financial Independence, Explained Without the HypeWhat FIRE actually means, and the flavors that fit real lives.
  2. GuideWhat Is Financial Independence? Your FIRE Number and the 4% RuleWhere the 25x number comes from and what it assumes.
  3. Free toolFIRE CalculatorYour FIRE number and the year you could reach it at your pace.
  4. GuideWhat's a Good Savings Rate? Why It Beats Your SalaryThe one number that sets the timeline more than returns do.
  5. Free toolSavings Rate CalculatorMeasure it properly, with retirement contributions included.
  6. GuideCoast FIRE Explained: Stop Saving Early, Still RetireThe version where you stop saving early and let compounding finish.
  7. Free toolCoast FIRE CalculatorFind your coast number and the age you could coast from.
  8. Course step 9Reach Financial IndependenceThe full chapter: the number, the bridge years, the drawdown.
  9. GuideSequence of Returns Risk: Same Average, Very Different RetirementsWhy the first retirement years matter more than the average return.
  10. Free toolRetirement Withdrawal CalculatorStress-test how long the portfolio lasts at your withdrawal rate.
  11. GuideRoth Conversion Explained: What Converts, What It Costs, and When It FitsThe conversion ladder: how early retirees reach pre-tax money before 59 and a half.
  12. Free toolRoth Conversion CalculatorPrice a conversion in a low-income year before you file.

See your whole financial picture, calmly

Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.

Coming soon