FIRE Calculator (Financial Independence)
Estimate a FIRE number from annual spending and withdrawal rate, plus years to the goal if you save.
Parameters
Enter the required details below
Ready to Calculate
Enter your parameters and click calculate to see the results here.
How to Use
- Enter Annual Expenses ($).
- Enter Safe Withdrawal Rate (%).
- Enter Current Savings ($).
- Click Calculate to see FIRE Number, Years to FIRE and Goal Achieved.
- Check the result. Use Reset if you want to try different numbers.
About This Calculator
FIRE (financial independence, retire early) planning starts with a target nest egg: annual expenses divided by a withdrawal rate such as 4%. This calculator also uses current savings and yearly savings when you provide them.
FIRE number
target = annual expenses / (withdrawal rate / 100)
$40,000 spending at 4% → $1,000,000 target.
Frequently asked questions
What is the 4% rule in a FIRE calculator?+
It is a planning shortcut: you might withdraw about 4% of the portfolio in year one and adjust for inflation. It is not a guarantee; sequence of returns and fees matter.
Is FIRE Calculator free to use?+
Yes. FIRE Calculator is free and does not require an account. The calculation runs in your browser.
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