What if work became optional?

FIRE means building enough financial independence to choose how you spend your time — long before a traditional retirement age.

It is not one destination or one universal number. Your plan begins with the life you want and the choices you want money to make possible.

See how Fireball personalises your plan

Your money works for your life.Not the other way around.

Financial independence can mean changing careers, working less, travelling, caring for family, or simply having options when life changes.

It is not about deprivation for its own sake. It is about aligning what you earn, save and invest with the freedom you actually want.

Three forces move your date

01

Save the gap

Increase the difference between what you earn and what you spend.

02

Grow what you keep

Invest consistently so your money has time to compound.

03

Choose your assumptions

Shape the target around your lifestyle, timeframe and comfort with risk.

Your number is personal.

Your FIRE number is the portfolio your plan may need to support the way you want to live.

It changes with your spending, timeline, investments and withdrawal assumptions. There is no single magic multiplier that works for everyone.

Spending
Assumptions
Your target
Your timeline

There is more than one way to get there

Lean FIRE

Independence built around intentional spending.

Barista FIRE

More freedom with some flexible income.

Fat FIRE

A larger portfolio for a higher-spend lifestyle.

Your plan should move when your life does.

Fireball uses your real NZ spending, income, investments and chosen FIRE style to update your target and timeline as your circumstances change.

You can see what is moving your date, test different choices, and focus on the changes that matter most to you.

See your path in Fireball

Keep exploring FIRE

Practical guides for building a plan that fits life in New Zealand.

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