FIRE Planning When Your Income Isn't Steady

Most FIRE calculators quietly assume a stable monthly paycheck. Freelancers, founders, and anyone on variable or seasonal income need a different starting point: use an averaged or conservative annual income figure instead of last month's number, and treat your savings rate as the thing to defend in good months, not a fixed monthly amount.

ClaryFIRE works from annual income and annual expenses by design, which maps cleanly onto irregular income — enter your realistic yearly average, not any single month's snapshot.

Run the numbers on my real annual average →

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