FIRE Calculator (Financial Independence)
Find your FIRE number and how many years until you're financially independent — or how long until you have $1 million — from your savings and spending.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your yearly spending and a safe withdrawal rate (4% is common).
- 2Enter current investments, monthly savings and expected return.
How it's calculated
FIRE number = annual spending ÷ withdrawal rate (25× spending at 4%). Years to FI are found by growing savings monthly until they reach the target.
Frequently asked questions
What is FIRE?
Financial Independence, Retire Early — saving and investing aggressively so investment income can cover your living costs.
Is 4% safe?
The 4% rule comes from studies of US market history over 30-year retirements. For early retirees with 40–50 year horizons, many use 3–3.5% for extra safety.
Should returns be real or nominal?
Use a real (after-inflation) return, like 5%, so the FIRE number stays in today's money.