Are You on Track
to Be a Millionaire?
Three brackets give you an illustrative year you could cross $1M net worth. Three more test whether you know Coast, Lean, and Barista FIRE. No exact numbers required.
Quick answer
Reaching $1,000,000 is mostly a function of two things: how much you've already saved and how much you add each month, compounding at a long-run market-like rate. At a commonly used 7% average annual return, someone starting from $50,000 and adding $1,000/month crosses $1M in roughly 24 years — the brackets below give you your own illustrative version.
This is a rough illustration using bracket midpoints, not a projection of your actual results — markets don't return a smooth 7% every year, and changing either input moves the year a lot.
Assumption basis: the Trinity Study and similar long-run market research. Last updated 24 August 2026.
Your trajectory (3 brackets)
Pick the closest bracket for each — no exact figures needed.
1. Your age bracket
2. Current total savings & investments
3. What you save or invest per month
FIRE vocabulary (3 questions)
Do you know the variants people actually mean when they say FIRE?
4
"Coast FIRE" means...
5
"Lean FIRE" generally describes...
6
"Barista FIRE" describes...
Answer all 6 to see your illustrative year — 0 of 6 done. Nothing is sent anywhere.
Frequently asked questions
How is the illustrative year calculated?+
From the brackets you pick — current savings and monthly contribution — assuming a steady 7% average annual return, compounded monthly, with no changes to either input. It's a rough illustration using bracket midpoints, not a projection of your actual results; for a precise version with your real numbers, the FIRE Calculator lets you enter exact figures.
What's the difference between Coast FIRE, Lean FIRE, and Barista FIRE?+
Coast FIRE means you've saved enough that compound growth alone could reach your number by a normal retirement age, without adding more. Lean FIRE means retiring on a tightly budgeted lifestyle, reaching the finish line earlier at a lower number. Barista FIRE sits in between — enough saved to cover most costs, topped up by a lower-stress part-time job, often for benefits.
Why 7% for the assumed return?+
It's a commonly used long-run average for a diversified stock-heavy portfolio after accounting for inflation, consistent with the assumption used elsewhere on Richify's calculators. Actual returns vary significantly year to year and are never guaranteed.
Does this quiz store or share my answers?+
No. Every answer and the result are computed in your browser and never sent anywhere.
Want this with your exact numbers?
Run the precise FIRE math
FIRE Calculator →
Have I already hit Coast FIRE?
Coast FIRE Calculator →
What's my retirement readiness?
Retirement Readiness Quiz →
What's my net worth, exactly?
Net Worth Calculator →
Educational only, not financial advice. All figures are hypothetical illustrations based on bracket midpoints and an assumed return, not projections of your actual results. Richify holds no AFSL and is not a registered investment adviser.
