FIRE Calculator

Find your financial independence number and how many years until you can retire early.

Quick answer: FIRE Calculator: Find your financial independence number and how many years until you can retire early. Everything runs in your browser, so nothing you enter is uploaded or stored.

Yearly expenses in retirement

Current savings and investments

Yearly savings

Expected return after inflation (%)

Withdrawal rate (%)

How to use FIRE Calculator

Enter your values in the fields.
The results update instantly as you type.
Note or copy the numbers you need.

Features

Instant results
Free, no signup
Runs in your browser, nothing is uploaded
Works on phone and desktop

How it works

Target = expenses / withdrawal rate. Each year the balance grows by the return and receives your savings, until it reaches the target.

Worked example

With 50,000 of expenses the target is 1,250,000. Starting at 80,000 and saving 30,000 a year at 5 percent real return takes about 21 years.

Good to know

This ignores taxes, healthcare before Medicare at 65, and market swings.

Frequently asked questions

What is the FIRE number?

Yearly expenses divided by your withdrawal rate. At 4 percent, multiply expenses by 25.

Is 4 percent safe?

It is a common rule of thumb. Many early retirees use 3.5 percent to be safer.

Is the FIRE Calculator free?

Yes. It is free, needs no signup and works on any device.