FIRE calculator

Find your financial independence number and how many years it could take to reach it.

Savings vs your FIRE number

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What is FIRE?

FIRE stands for Financial Independence, Retire Early. The goal is to build a portfolio large enough that withdrawals can cover your spending. A common target is annual spending divided by the withdrawal rate, so 4% means about 25 times your yearly expenses.

How this calculator works

It uses the return after inflation, so every figure is in today's dollars. Each year your savings grow by that real return and you add the amount you save. It reports how many years until your portfolio reaches the target.

Frequently asked questions

Should I use a lower withdrawal rate?

If you plan to retire very early, many people choose 3% to 3.5% for extra safety. Try different rates to see the effect on your target.

Does this include healthcare or taxes?

No. Include those costs in your annual spending estimate.

More calculators

Compound interest calculator: Growth with monthly contributions and inflation
Monthly investment calculator: Dollar-cost averaging, yearly increases and a goal planner
Retirement withdrawal calculator: How long your portfolio lasts with inflation-adjusted withdrawals
Roth IRA calculator: Roth vs traditional using your tax rates

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