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FIRE Calculator

Calculate your Financial Independence Retire Early number and timeline to freedom.

FIRE Calculator

Calculate your Financial Independence Retire Early number

Formula

FIRE Number = Annual Expenses ÷ Withdrawal Rate

How to Use This Calculator

  1. 1

    Enter annual expenses

    Input your yearly living expenses in retirement.

  2. 2

    Add current savings

    Enter your current investment portfolio value.

  3. 3

    Set annual savings

    Enter how much you save and invest each year.

  4. 4

    Adjust assumptions

    Set expected return and safe withdrawal rate.

  5. 5

    View your FIRE number

    See how much you need and when you'll reach it.

Frequently Asked Questions

What is the FIRE movement?

FIRE (Financial Independence, Retire Early) is a lifestyle movement focused on extreme savings and investment to retire much earlier than traditional retirement age.

What is the 4% rule?

The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement with low risk of running out of money over 30 years.

How much do I need to FIRE?

Your FIRE number is typically 25x your annual expenses (based on 4% withdrawal rate). If you spend $40,000/year, you need $1,000,000.