FIRE Calculator
Find your number for Financial Independence, Retire Early. Enter your annual spending, what you've already invested, and how much you save each month, the calculator shows your FIRE number and how many years until your investments can cover your life.
The one number that moves FIRE the most
Adjust the sliders and you'll notice something: raising your monthly savings shortens your timeline far more dramatically than nudging the return up a point. That's the core insight of the FIRE movement, financial independence is driven mostly by your savings rate, because saving more does double duty: it grows the pile faster and lowers the spending you need to cover.
The number this tool gives you is a target, not a finish line to obsess over. Treat it as direction: it tells you roughly how much is "enough," and the sliders show you the levers. The rest is consistency.
Common questions
What is a FIRE number?
It's the invested amount that lets you live off withdrawals indefinitely. At a 4% withdrawal rate it's 25x your annual spending, spend $40,000 → about $1,000,000. A lower withdrawal rate raises the number but adds safety, which matters most for early retirees.
How is time to FIRE calculated?
It grows your investments plus monthly savings at your chosen return until the balance hits your FIRE number. The key driver isn't return, it's your savings rate. The share of income you keep and invest matters far more than squeezing out an extra percent of return.
Is a 4% withdrawal rate safe for early retirement?
It's a reasonable start but less certain over a 50-year retirement. The 4% rule assumed ~30 years; retire at 40 and a 3.25-3.5% rate is more conservative. Being flexible, trimming spending in bad market years, improves the odds a lot.
Related free tools
- Retirement CalculatorEstimate how much you need to retire and whether your savings rate gets you there.
- Compound Interest CalculatorSee how your money grows over time with the power of compound interest and regular contributions.
- 50/30/20 Budget CalculatorSplit your take-home pay into needs, wants, and savings with the 50/30/20 rule.
This calculator is for education and general information only, not financial, investment, or tax advice. Results are estimates based on the assumptions you enter and do not predict actual returns.