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Calculate your FIRE number, years to financial independence, and projected retirement age.
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Find exactly how much you need to retire based on your expenses and withdrawal rate.
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Discover when compound interest alone will carry you to retirement — no contributions needed.
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See how dramatically increasing your savings rate shortens your path to independence.
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Model safe withdrawal rates and see how long your portfolio lasts under different spending.
Visualize how your investments compound over time with regular contributions.
Project your portfolio value over any horizon with customizable return rates.
A year-by-year roadmap to retirement based on income, expenses, and investment growth.
Plan an ultra-frugal early retirement and calculate the minimum portfolio needed.
Semi-retirement planning with part-time income and a smaller required portfolio.
What is FIRE?
FIRE is built on a simple principle: save and invest aggressively enough that your portfolio generates more income than you spend. At that point, work becomes optional.
The most widely used framework is the 4% rule: if your annual spending equals 4% or less of your total invested portfolio, your money will last indefinitely. Your FIRE number is therefore 25× your annual expenses.
Calculate your FIRE numberEvery calculator updates live as you type — no submit button, no loading, no friction.
All calculations run in your browser. Nothing is stored or tracked. Your numbers stay yours.
Every formula is grounded in the research behind the Trinity Study and safe withdrawal rates.