FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number and timeline. See years to FIRE, Coast FIRE number, savings rate analysis, portfolio growth projections, and what-if scenarios for accelerating your path to financial independence.
How to Use This Calculator
- Enter your current age and target retirement age
- Input your current savings and annual income/expenses
- Set your expected return rate and savings rate
- Click Calculate to see your path to financial independence
- Explore “what if” scenarios to optimize your plan
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Assumptions
🔥 What is FIRE?
FIRE (Financial Independence, Retire Early) is a movement focused on aggressive saving and investing to accumulate enough wealth to retire much earlier than traditional age 65. The core idea: once your investment portfolio can cover your annual expenses indefinitely, you've achieved financial independence.
📊 Types of FIRE
- Lean FIRE: Annual expenses under $40,000 — minimalist lifestyle
- Regular FIRE: Annual expenses $40,000 - $100,000 — comfortable middle-class
- Fat FIRE: Annual expenses over $100,000 — luxurious early retirement
- Coast FIRE: Enough saved that compound growth alone reaches your goal by traditional retirement
📐 The 4% Rule
The 4% rule (Trinity Study) suggests you can withdraw 4% of your portfolio in year one of retirement, adjusting for inflation each year, with a high probability your money lasts 30+ years. Your FIRE number = Annual Expenses ÷ 0.04 (or 25× your annual expenses).
🔗 Save & Share Your Calculation
Your inputs are automatically saved in the URL. You can bookmark this page to save your calculation, or use the Share button to send it to others.