FIRE Financial Report: 7-Metric Analysis of Your Retirement Readiness

Enter real income, expenses, assets & debt to get a precise FIRE score across 6 weighted metrics: savings rate, progress, emergency fund, debt, passive income & runway.

Six weighted metrics, one score

The report converts seven inputs into six scored metrics: savings rate (20%), FIRE progress (25%), emergency fund coverage (15%), debt burden (15%), passive income coverage (15%), and retirement runway (10%). The weighted average becomes a 0–100 score with the same five grades as the quiz — 90+ FIRE Ready, 70+ On Track, 50+ Growing, 30+ Starting, below 30 Awakening — but built from real figures instead of self-ratings.

A worked profile

Suppose someone saves 40% of income (scores 88), has reached 50% of their FIRE target (50), holds a 6-month emergency fund (70), spends 10% of income on debt payments (75), covers 25% of expenses with passive income (30), and has a 10-year runway (55). The weighted total is 62 — the Growing grade — and the score bars make clear that passive income and runway are the levers to work on. Informational only.

How to Use

  1. Enter Income & Expenses — Type your monthly after-tax income and monthly living expenses — these anchor most of the six metrics
  2. Enter Assets & Target — Enter net assets and your FIRE target so the report can measure progress and runway
  3. Enter Fund, Debt & Passive Income — Add your emergency fund balance, monthly debt payments, and monthly passive income from dividends or rent
  4. Analyze — Click Analyze to score all six metrics and combine them into one weighted 0–100 score
  5. Read the Advice — Each metric shows a score bar plus low/mid/high guidance pointing at the weakest links
  6. Share or Save — Export the report card as a PNG or share a URL that pre-fills your inputs

FAQ

How is the FIRE Financial Report different from the FIRE Readiness Quiz?

The Quiz uses subjective multiple-choice questions, while the Report uses actual financial figures for precise numerical analysis.

How is the overall score calculated?

6 metrics are weighted: Savings Rate (20%), FIRE Progress (25%), Emergency Fund (15%), Debt Burden (15%), Passive Income Coverage (15%), Retirement Runway (10%).

Can I share my results?

Yes, use 'Save as Image' to download a PNG or 'Share Results' to share a URL with your inputs pre-filled.

How are individual metric scores derived?

Each metric maps a real ratio onto a 0–100 band. For example, a savings rate of 50% or more scores 100; an emergency fund of 12+ months of expenses scores 100 while 9 months scores 85; debt payments at or above 40% of income score 0.

What is retirement runway?

Net assets divided by annual expenses — how many years your current wealth could cover spending with no further income. A runway of 25+ years scores 100, deliberately mirroring the 4% rule's 25× annual-expenses target.

Why is FIRE Progress weighted highest?

Net assets ÷ FIRE target is the most direct measure of how far along you actually are, so it carries 25% of the total. Savings rate follows at 20% because it controls the pace; the four remaining metrics carry 15% or 10% each.