Find your FIRE number, the years to financial independence, and the age you could retire early.
Estimates only — not financial advice. Uses the 4% rule and a constant real return. Verify with your advisor.
A FIRE calculator finds the savings target that lets you live off your investments — 25 times your annual expenses — then projects your savings forward year by year to estimate how long it takes to get there and at what age.
A FIRE number is the amount of invested savings you need to live off your portfolio indefinitely. Using the 4% rule, it equals your annual expenses multiplied by 25. For example, 40,000 dollars of annual expenses gives a FIRE number of 1,000,000 dollars. Results are estimates, not financial advice.
Each year your savings grow by your expected real return and then you add your annual savings. The calculator repeats this until your balance reaches your FIRE number, and the number of repeats is your years to FIRE. A higher savings rate and a higher return both shorten the timeline.
The 4% rule is a guideline that you can withdraw about 4% of your portfolio in the first year of retirement, then adjust for inflation, with a strong chance the money lasts about 30 years. Withdrawing 4% is the same as needing 25 times your annual expenses saved.