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FIRE Calculator

Calculate your financial independence number and years to reach it

Annual Expenses in Retirement ($)

Current Savings/Investments ($)

Annual Savings ($)

Expected Return (%)

Safe Withdrawal Rate (%)

Your FIRE Number

$1,000,000

The portfolio size needed to sustain your expenses indefinitely

Years to Reach FIRE

20 years

Based on the widely-used 4% "safe withdrawal rate" rule of thumb. Assumes constant returns and savings, which real markets and life don't guarantee. Not investment advice.

What is this tool?

Calculates progress toward Financial Independence, Retire Early (FIRE) — the savings target needed to cover your living expenses indefinitely from investment returns alone, based on your annual expenses and a standard safe withdrawal rate.

How to use it

Enter your annual expenses, current savings, and savings rate, and the calculator estimates your FIRE number and roughly how long it will take to reach it.

This works backward from your expenses, not your income — the fastest way to move up your FIRE date is usually reducing expenses, since it lowers your target number and increases your savings rate at the same time.