FIRE with Kids Cost Calculator
FIRE with Kids Impact
How many kids affect your FIRE number
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Formula
FIRE with Kids = (Base Expenses + (Kids × Cost Per Child)) × 25
Frequently Asked Questions
How much does a kid cost for FIRE?
Roughly 25x $20k/year = $500k per child to your FIRE number. For 2 kids: $1M extra needed. Can reduce by: living frugally with kids, homeschooling, geographic arbitrage.
Can I FIRE with kids?
Yes! Many people do. Strategies: lower expenses generally, partner income in early retirement, public school (vs private), shared housing with family.