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FIRE Calculator

Estimate your FIRE number — the portfolio size that could fund your lifestyle — and how many years of saving and investing it might take to get there.

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Your FIRE number: $0
Years to financial independence
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Age you could reach it
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The 4% rule is a historical guideline, not a guarantee. This ignores taxes and inflation and assumes a constant return.

How the FIRE calculator works

FIRE — Financial Independence, Retire Early — is reached when your invested assets are large enough to cover your annual spending at a safe withdrawal rate. Your FIRE number is your annual spending divided by that rate (4% implies about 25× your yearly expenses).

The two levers that matter most

  • Your savings rate. The gap between what you earn and what you spend is the engine of FIRE.
  • Your expenses. Lower spending cuts your FIRE number twice — you need less and can save more.

See how contributions compound with the Compound Interest Calculator, plan the income side with the Retirement Savings Calculator, and learn the building blocks in the best investing apps for beginners. Investing involves risk, including possible loss of principal; this is educational information, not advice.

Frequently asked questions

What is FIRE?
FIRE stands for Financial Independence, Retire Early. The goal is to save and invest enough that your portfolio can cover your living expenses indefinitely, giving you the freedom to stop working for money.
What is the 4% rule?
The 4% rule is a guideline suggesting you can withdraw about 4% of your portfolio in your first year of retirement (adjusting for inflation after) with a low historical risk of running out over ~30 years. It implies a FIRE number of roughly 25× your annual expenses — a starting point, not a guarantee.
Is FIRE realistic?
It depends on your savings rate, expenses, and returns. The math is simple but the discipline is hard, and markets are unpredictable. Use this as a planning tool, not a promise. Investing involves risk, including the possible loss of principal.

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