FIRE Calculator

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

Your Numbers

Annual ExpensesAnnual spending in retirement

Current SavingsTotal invested savings now

Annual SavingsAmount you save each year

Expected Annual ReturnExpected investment return %

Safe Withdrawal Rate% of portfolio you can withdraw annually (typically 4%)

What is the FIRE Movement?

FIRE (Financial Independence, Retire Early) is a movement focused on achieving financial independence by saving and investing aggressively. The core principle is the 4% rule: if you have saved 25 times your annual expenses, you can safely withdraw 4% annually without running out of money.

The Path to FIRE

Reaching FIRE requires three key elements: high income, low expenses, and good investment returns. Your savings rate is crucial. Saving 50% of your income means you can reach FIRE in about 16 years.

FIRE Strategies

There are different approaches: Lean FIRE (minimal expenses), Barista FIRE (semi-retirement with part-time work), and Coast FIRE (stopping contributions and letting investments grow).

Frequently Asked Questions

What is FIRE and the 4% rule?

FIRE stands for Financial Independence, Retire Early. The 4% rule suggests you can safely withdraw 4% of your portfolio annually.

How is the FIRE number calculated?

Your FIRE number is annual expenses divided by your safe withdrawal rate (typically 4%), or expenses times 25.

How long will it take to reach FIRE?

It depends on your savings rate and investment returns.

What safe withdrawal rate should I use?

The traditional 4% rule is widely used. Some use 3.5% for more conservative planning.

Is FIRE achievable for most people?

FIRE is achievable with discipline and good planning. The key is maximizing your savings rate.