FIRE Calculator

Financial Independence, Retire Early - Calculate your path to freedom

Your Finances

Current Age:

Your current age. This determines how many years you have until reaching FIRE and affects compound growth calculations.

years

Current Savings:

Your total invested assets today including retirement accounts (401k, IRA), brokerage accounts, and savings. Don't include home equity or cars.

Annual Income:

Your total yearly income before taxes. Include salary, bonuses, side income, and any regular earnings.

$/year

Annual Expenses:

Your yearly spending on living costs. This is crucial for calculating your FIRE number (25x your annual expenses for the 4% rule).

$/year

Monthly Investment:

Extra monthly amount you invest beyond your savings rate. This could be additional contributions to brokerage or retirement accounts.

$/month

Expected Return:

Average annual investment return. Historically, the S&P 500 returns ~7% after inflation. Conservative: 5-6%, Moderate: 7-8%, Aggressive: 9-10%.

% annual

Withdrawal Rate:

The % you withdraw yearly in retirement. The famous '4% rule' suggests 4% is safe for 30+ years. Lower rates (3-3.5%) are more conservative.

% SWR

FIRE Strategy

Choose your FIRE approach: Lean (minimal lifestyle), Normal (standard 4% rule), Fat (comfortable lifestyle), or Coast (let investments grow without adding more).

Annual

$30K

Monthly

$2,500

Rate

38%

FIRE Number

$1.25M

Years to FIRE

21 (Age 51)

Savings Rate

37.5%

Progress

4.0%

FIRE Progress

4.0%

FIRE Variants

Lean

$750K

Traditional

$1.3M

Fat

$2.1M

Coast

$117K

Portfolio Growth Projection

Year-by-Year Projection

Age	Portfolio	Contrib.	Status
30	$50,000	$24K	...
35	$208,145	$24K	...
40	$429,952	$24K	...
45	$741,048	$24K	...
50	$1.18M	$24K	...
55	$1.45M	$0K	FIRE!
60	$1.71M	$0K	FIRE!
65	$2.02M	$0K	FIRE!
70	$2.40M	$0K	FIRE!
75	$2.89M	$0K	FIRE!
80	$3.50M	$0K	FIRE!

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Frequently Asked Questions

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to achieve financial freedom much earlier than traditional retirement age. The goal is to accumulate enough wealth that your investment returns can cover your living expenses indefinitely.

What is the 4% Rule?

The 4% rule suggests you can withdraw 4% of your portfolio annually (adjusted for inflation) with a high probability of not running out of money over a 30-year retirement. This means you need 25x your annual expenses to reach FIRE (1/0.04 = 25).

What are the different types of FIRE?

Lean FIRE: Achieving FIRE with minimal expenses and a frugal lifestyle. Traditional FIRE: Standard FIRE with comfortable but modest spending. Fat FIRE: FIRE with a higher spending level and more luxurious lifestyle. Coast FIRE: Having enough invested that compound growth alone will fund retirement at 65, allowing you to work just to cover current expenses.

How important is savings rate?

Savings rate is the most important factor in reaching FIRE. A 10% savings rate means ~51 years to FIRE, 25% means ~32 years, 50% means ~17 years, and 75% means ~7 years. Increasing your savings rate has a much larger impact than investment returns.

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Educational purposes only. Not financial advice.