FIRE Calculator
Calculate your FIRE number and years to financial independence using the 4% rule. See a progress bar and yearly projections.
$
$
$
%
Results
FIRE Number
$1,000,000
Years to FIRE
~21 years
Current Progress
5.0%
Current Savings
$50,000
Yearly Projection
Yr 1
$72,203
Yr 2
$96,012
Yr 3
$121,541
Yr 4
$148,917
Yr 5
$178,271
Yr 6
$209,747
Yr 7
$243,498
Yr 8
$279,690
Yr 9
$318,497
Yr 10
$360,110
Yr 11
$404,732
Yr 12
$452,579
Yr 13
$503,884
Yr 14
$558,899
Yr 15
$617,891
Yr 16
$681,147
Yr 17
$748,976
Yr 18
$821,709
Yr 19
$899,699
Yr 20
$983,327
Yr 21
$1,073,001
Yr 22
$1,169,157
Yr 23
$1,272,264
Yr 24
$1,382,825
Yr 25
$1,501,378
Yr 26
$1,628,502
Yr 27
$1,764,816
Yr 28
$1,910,983
Yr 29
$2,067,717
Yr 30
$2,235,781
Estimate for information only, not financial, tax or investment advice. Rates and rules change, so check anything important with a qualified professional or the official source. Terms
How Does the FIRE Calculator Work?
FIRE (Financial Independence, Retire Early) calculates how long it will take to reach financial independence based on the 4% rule. Your FIRE number is 25 times your annual expenses — the amount you need invested to safely withdraw 4% per year indefinitely.
Uses compound growth with monthly contributions
Example
With $40,000 in annual expenses, your FIRE number is $1,000,000. If you have $50,000 saved and add $1,500/month at 7% returns, you'll reach FIRE in approximately 20 years.
Common Use Cases
- Planning an early retirement timeline.
- Understanding how savings rate impacts your path to financial independence.
- Setting concrete financial goals with measurable milestones.
FAQs
What is the 4% rule?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. Multiply annual expenses by 25 to get your target.
Is FIRE realistic for everyone?
FIRE requires a high savings rate. The higher your savings rate relative to expenses, the faster you'll reach independence. Adjusting expenses downward is often the most powerful lever.