FIRE for Couples Calculator

Financial independence planning for two-income households.

Couples have a significant advantage on the path to FIRE: two incomes but shared living expenses. A couple earning $150,000 combined with $70,000 in expenses has a 53% savings rate. Housing, the biggest expense, is shared. Insurance can be optimized. The FIRE number is based on household expenses, not individual. Many couples reach FIRE 5-10 years faster than singles at similar income levels.