FIRE Calculator
Calculate your Financial Independence number, track your savings rate, and see when you can retire early.
Your FIRE Number
$1,500,000
4% withdrawal rate
Time to FIRE
16 years, 2 months
FIRE Age
Age 46
% of Take-Home Saved
40%
$40k of $100k
Monthly Income at FIRE
$5,000
From your portfolio
FIRE (Financial Independence, Retire Early) means having enough invested to cover your expenses from your portfolio. The 4% rule is the most common benchmark: in the Trinity Study, it lasted 30 years in most historical periods. Early retirees planning for longer often use 3.25-3.5%.
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Replay your plan through a century of real market history and see how often your money lasts
Try it freeNo signup requiredUnderstanding FIRE
What is your FIRE number?
Your FIRE number is the total investment portfolio you need to cover your annual expenses from your investments. It's typically calculated as your annual expenses × 25 (based on the 4% safe withdrawal rate). For example, if you spend $50,000/year, your FIRE number is $1.25 million. The Trinity Study found 4% lasted 30 years in most historical periods; for a retirement that could run 40-50 years, many early retirees plan on 3.25-3.5% instead.
Why does savings rate matter more than income?
Your savings rate is the single biggest lever for reaching financial independence. Someone earning $80,000 and saving 50% will reach FIRE far faster than someone earning $200,000 and saving 10% - because a higher savings rate both accelerates accumulation and reduces the portfolio size you need.
What are the different types of FIRE?
Lean FIRE targets minimal expenses (typically under $40k/year), Fat FIRE aims for a more comfortable lifestyle ($100k+/year), and Barista FIRE means having enough investments to cover most expenses while working part-time for the rest. Choose the path that fits your goals.
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