FIRE Calculator

Calculate your "Financial Independence, Retire Early" number

FIRE stands for Financial Independence, Retire Early. The core concept is simple: once your investments generate enough passive income to cover your expenses, you are free.

Calculator Inputs

Annual Spending*

Desired lifestyle cost in retirement

Current Investments*

Annual Income (Net)*

After taxes

Withdrawal Rate*

Safe Withdrawal Rate (Standard: 4%)

Investment Return*

Annual return (inflation adjusted)

Results

Enter values above to see your results

How It Works

Your FIRE Number is generally 25 times your annual spending (based on the 4% rule). We calculate how many years it takes to reach that number based on your savings rate.

Tips & Best Practices

•The "4% Rule" suggests you can withdraw 4% of your portfolio annually without running out of money.
•Increasing your savings rate is the fastest way to shorten your time to retirement.
•Consider "Lean FIRE" (lower expenses) or "Fat FIRE" (higher expenses) goals.

Frequently Asked Questions

What is the 4% rule?

It is a rule of thumb from the Trinity Study that states a portfolio of 50% stocks and 50% bonds has a high success rate of lasting 30 years with a 4% annual withdrawal.

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