FIRE Calculator
FIRE means reaching the point where your investments alone can cover your spending. Slide your expenses, current investments, monthly savings, return, and withdrawal rate to find your target and your timeline. Small changes to savings or spending can move the finish line years.
Your FIRE number is $1,250,000 (25× annual spending at a 4% withdrawal rate). At your current pace you reach it in about 18.4 years.
Worked examples
Real results from this calculator, computed for a few common scenarios. Move the sliders above to run your own numbers.
| Annual expenses = $56,000 | Your FIRE number is $1,400,000 (25× annual spending at a 4% withdrawal rate). At your current pace you reach it in about 19.7 years. |
| Annual expenses = $110,000 | Your FIRE number is $2,750,000 (25× annual spending at a 4% withdrawal rate). At your current pace you reach it in about 27.9 years. |
| Annual expenses = $164,000 | Your FIRE number is $4,100,000 (25× annual spending at a 4% withdrawal rate). At your current pace you reach it in about 33.1 years. |
Your next step
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How this math works
Your FIRE number is your annual expenses divided by your withdrawal rate, so a 4 percent rate means you need 25 times your yearly spending invested. We then project your current investments plus monthly savings forward at your chosen return to find how long until you reach that target.
FIRE stands for Financial Independence, Retire Early. The two strongest levers are spending less, which lowers the target itself, and saving more, which speeds your progress toward it, and the two often work together.
Common questions
What is the FIRE number?
It is the amount invested that can fund your lifestyle indefinitely, calculated as annual expenses divided by your withdrawal rate. At a 4 percent rate that equals 25 times your yearly spending.
Is the 4 percent rule safe?
It is a widely cited guideline drawn from historical data, not a guarantee. Lower withdrawal rates are more conservative, and you can slide the rate to see how the target shifts.
Does this account for inflation?
The projection uses the return you set and keeps expenses fixed, so for a real-terms view enter an inflation-adjusted return. Treat the timeline as a planning estimate.
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