FIRE Calculator: Financial Independence, Retire Early
Find your FIRE number with the 4% rule, how many years until financial independence and at what age, from your savings, spending and returns.
| Withdrawal rate | Your FIRE number |
|---|
| Year | Age | Balance | Progress |
|---|
What it does
FIRE (Financial Independence, Retire Early) means saving and investing until your investments can pay your expenses for good. Your FIRE number is your yearly spending divided by a safe withdrawal rate: with the 4% rule it is 25 times your spending. The calculator grows your savings month by month at the real return, adds your yearly savings and finds when you reach that number.
How to use it
- Type how much you expect to spend per year and choose the withdrawal rate (4% is the usual rule).
- Type what you have invested, how much you save per year, the real return and your age.
- See your FIRE number, how long it takes, your age at FIRE and the balance year by year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How do I calculate my FIRE number?
Divide your yearly spending by the withdrawal rate. Spending 40,000 a year with the 4% rule gives 1,000,000, which is 25 times your spending. With 3% it is 1,333,333.
How long until I reach FIRE?
With 100,000 invested, 30,000 saved per year and a 7% real return, you reach 1,000,000 in 174 months, 14 years and 6 months: at 44.5 if you are 30 today.
What is the 4% rule?
It comes from studies of US stocks and bonds: withdrawing 4% of the portfolio in the first year and then adjusting for inflation lasted at least 30 years in almost every period. For longer retirements many people use 3% to 3.5%.
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