FIRE Calculator

Calculate your Financial Independence, Retire Early number.

Annual Expenses ($)

Current Savings ($)

Annual Savings ($)

Expected Annual Return (%)

$1,000,000

Your FIRE Number

Progress to FIRE10.0%

15 yrs

Years to FIRE

$3,333/mo

Passive Income

$900,000

Still Needed

Learn More

The FIRE Movement: A Complete Guide to Financial Independence

Retirement Planning by Age: Your Complete Roadmap

The Rule of 72: The Fastest Way to Understand Investment Growth

Key Terms to Know

FIRE (Financial Independence, Retire Early)4% Rule Savings Rate

Understanding This Calculator

What this calculator does

This calculator determines your FIRE number — the portfolio size needed for financial independence — based on your annual expenses and a chosen withdrawal rate, then shows how long it takes to reach it at your savings rate.

How to use the results

1.Enter your annual expenses and target withdrawal rate (4% is the standard, 3% is more conservative).
2.Add your current savings and monthly contribution plus expected return.
3.The result gives your FIRE number and the years to reach it.

Worked example

With $40,000/year expenses and a 4% withdrawal rate, your FIRE number is $1,000,000. Saving $2,000/month at 7% from a $100,000 start reaches it in roughly 18 years.

Important assumptions & limitations

•The 4% rule assumes a 30-year retirement and a 60/40 stock/bond mix; longer retirements may need a lower rate.
•Does not account for taxes on withdrawals from tax-advantaged accounts.
•Ignores Social Security, which can lower your FIRE number by covering part of your expenses.