Flamingo FIRE Calculator
When could you take your foot off the gas?
Estimate when you could reach a large part of your FIRE number and then save less aggressively while your portfolio keeps growing toward full FIRE.
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FIRE Progress
Your portfolio currently covers about 2.8 years years of your annual target expenses.
Note: Flamingo FIRE is a simplified model. Whether reducing work or savings is realistic depends on income, expenses, risk, market returns, taxes and your personal life plan.
Portfolio Growth
The chart shows the accumulation phase until Flamingo FIRE and the later phase with a reduced savings rate until full FIRE.
Annual Portfolio Projection
The table shows how your portfolio develops depending on the current phase.
Hint: You can scroll the table horizontally.
| Year | Age | Phase | Portfolio Value | Contributions | Investment Growth |
|---|---|---|---|---|---|
| 0 | 35 | Accumulation Phase | 100.000 € | 0 € | 0 € |
| 1 | 36 | Accumulation Phase | 117.000 € | 12.000 € | 5.000 € |
| 2 | 37 | Accumulation Phase | 134.850 € | 12.000 € | 5.850 € |
| 3 | 38 | Accumulation Phase | 153.593 € | 12.000 € | 6.743 € |
| 4 | 39 | Accumulation Phase | 173.272 € | 12.000 € | 7.680 € |
| 5 | 40 | Accumulation Phase | 193.936 € | 12.000 € | 8.664 € |
| 6 | 41 | Accumulation Phase | 215.633 € | 12.000 € | 9.697 € |
| 7 | 42 | Accumulation Phase | 238.414 € | 12.000 € | 10.782 € |
| 8 | 43 | Accumulation Phase | 262.335 € | 12.000 € | 11.921 € |
| 9 | 44 | Accumulation Phase | 287.452 € | 12.000 € | 13.117 € |
| 10 | 45 | Accumulation Phase | 313.824 € | 12.000 € | 14.373 € |
| 11 | 46 | Accumulation Phase | 341.515 € | 12.000 € | 15.691 € |
| 12 | 47 | Accumulation Phase | 370.591 € | 12.000 € | 17.076 € |
| 13 | 48 | Accumulation Phase | 401.121 € | 12.000 € | 18.530 € |
| 14 | 49 | Accumulation Phase | 433.177 € | 12.000 € | 20.056 € |
| 15 | 50 | Flamingo FIRE Phase | 466.836 € | 12.000 € | 21.659 € |
| 16 | 51 | Flamingo FIRE Phase | 490.177 € | 0 € | 23.342 € |
| 17 | 52 | Flamingo FIRE Phase | 514.686 € | 0 € | 24.509 € |
| 18 | 53 | Flamingo FIRE Phase | 540.421 € | 0 € | 25.734 € |
| 19 | 54 | Flamingo FIRE Phase | 567.442 € | 0 € | 27.021 € |
| 20 | 55 | Flamingo FIRE Phase | 595.814 € | 0 € | 28.372 € |
| 21 | 56 | Flamingo FIRE Phase | 625.604 € | 0 € | 29.791 € |
| 22 | 57 | Flamingo FIRE Phase | 656.885 € | 0 € | 31.280 € |
| 23 | 58 | Flamingo FIRE Phase | 689.729 € | 0 € | 32.844 € |
| 24 | 59 | Flamingo FIRE Phase | 724.215 € | 0 € | 34.486 € |
| 25 | 60 | Flamingo FIRE Phase | 760.426 € | 0 € | 36.211 € |
| 26 | 61 | Flamingo FIRE Phase | 798.447 € | 0 € | 38.021 € |
| 27 | 62 | Flamingo FIRE Phase | 838.370 € | 0 € | 39.922 € |
| 28 | 63 | Flamingo FIRE Phase | 880.288 € | 0 € | 41.918 € |
| 29 | 64 | Flamingo FIRE Phase | 924.303 € | 0 € | 44.014 € |
| 30 | 65 | Flamingo FIRE Phase | 970.518 € | 0 € | 46.215 € |
| 31 | 66 | Flamingo FIRE Phase | 1.019.044 € | 0 € | 48.526 € |
| 32 | 67 | Flamingo FIRE Phase | 1.069.996 € | 0 € | 50.952 € |
| 33 | 68 | Flamingo FIRE Phase | 1.123.495 € | 0 € | 53.500 € |
| 34 | 69 | Flamingo FIRE Phase | 1.179.670 € | 0 € | 56.175 € |
| 35 | 70 | Flamingo FIRE Phase | 1.238.654 € | 0 € | 58.984 € |
| 36 | 71 | Flamingo FIRE Phase | 1.300.586 € | 0 € | 61.933 € |
| 37 | 72 | Flamingo FIRE Phase | 1.365.616 € | 0 € | 65.029 € |
| 38 | 73 | Flamingo FIRE Phase | 1.433.897 € | 0 € | 68.281 € |
| 39 | 74 | Flamingo FIRE Phase | 1.505.591 € | 0 € | 71.695 € |
| 40 | 75 | Flamingo FIRE Phase | 1.580.871 € | 0 € | 75.280 € |
| 41 | 76 | Flamingo FIRE Phase | 1.659.915 € | 0 € | 79.044 € |
| 42 | 77 | Flamingo FIRE Phase | 1.742.910 € | 0 € | 82.996 € |
| 43 | 78 | Flamingo FIRE Phase | 1.830.056 € | 0 € | 87.146 € |
| 44 | 79 | Flamingo FIRE Phase | 1.921.559 € | 0 € | 91.503 € |
| 45 | 80 | Flamingo FIRE Phase | 2.017.636 € | 0 € | 96.078 € |
| 46 | 81 | Flamingo FIRE Phase | 2.118.518 € | 0 € | 100.882 € |
| 47 | 82 | Flamingo FIRE Phase | 2.224.444 € | 0 € | 105.926 € |
| 48 | 83 | Flamingo FIRE Phase | 2.335.666 € | 0 € | 111.222 € |
| 49 | 84 | Flamingo FIRE Phase | 2.452.450 € | 0 € | 116.783 € |
| 50 | 85 | Flamingo FIRE Phase | 2.575.072 € | 0 € | 122.622 € |
| 51 | 86 | Flamingo FIRE Phase | 2.703.826 € | 0 € | 128.754 € |
| 52 | 87 | Flamingo FIRE Phase | 2.839.017 € | 0 € | 135.191 € |
| 53 | 88 | Flamingo FIRE Phase | 2.980.968 € | 0 € | 141.951 € |
| 54 | 89 | Flamingo FIRE Phase | 3.130.016 € | 0 € | 149.048 € |
| 55 | 90 | Flamingo FIRE Phase | 3.286.517 € | 0 € | 156.501 € |
What is Flamingo FIRE?
Flamingo FIRE is an intermediate stage on the path to financial independence. Instead of aggressively saving until you reach your full FIRE number, you switch into a more relaxed mode once you reach a chosen milestone.
Flamingo FIRE is often understood as roughly half of your FIRE number. After that point, you still cover your ongoing expenses through income, but you may no longer need to save as aggressively as before.
The benefit: You may be able to reduce working hours, stress or career pressure earlier while your portfolio continues to benefit from compounding.
Example Calculation
Once the Flamingo FIRE number is reached, your portfolio does not need to cover your expenses immediately. Its main job is to keep growing while you cover your ongoing costs through other income.
Frequently Asked Questions About Flamingo FIRE
What does Flamingo FIRE mean?
Flamingo FIRE means that you have reached a large part of your classic FIRE number and could then switch into a more relaxed work or savings mode.
Why is 50% of the FIRE number often used?
50% of the FIRE number is a popular rule of thumb because the portfolio may already be large enough to benefit strongly from compounding over time. The exact percentage is still your own choice.
Do I have to stop saving completely after Flamingo FIRE?
No. You can set the savings rate to 0 or continue investing a smaller amount. The calculator shows how this assumption affects the time to full FIRE.
Is Flamingo FIRE the same as Coast FIRE?
No. Coast FIRE asks whether your portfolio can grow to your FIRE number by a specific target age without additional savings. Flamingo FIRE is more about reaching an intermediate milestone where you may decide to save or work less aggressively.
What is the difference between Flamingo FIRE and Barista FIRE?
With Barista FIRE, your portfolio already covers part of your expenses while the rest is funded through part-time work, freelance income or another flexible income source. Flamingo FIRE is more about reaching a certain milestone on the way to full FIRE and then reducing savings or work intensity while your portfolio keeps growing.
Is this calculator financial advice?
No. This calculator is for educational and informational purposes only and does not replace personal financial advice, investment advice, tax advice or individual financial planning.
Explore Other FIRE Calculators
Flamingo FIRE is only one intermediate stage. For classic FIRE goals, part-time FIRE or Coast FIRE, you can also use the other calculators.