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FIRE calculator (financial independence)

Find your FIRE number and how many years until financial independence.

Runs 100% in your browser
FIRE number
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Years to FI
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Multiple of expenses
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How to calculate FIRE

  1. Enter your spending. Add your annual expenses and a safe withdrawal rate.
  2. Enter your savings. Add your current investments and monthly contribution.
  3. See FI number and timeline. Read your FIRE number and the years to reach it.

Savings rate is the lever

Time to FI depends far more on your savings rate than your salary — cutting expenses lowers the FIRE number and raises the contribution at the same time. Build the balance with a 401(k) and compounding, and remember to view the target in real terms with the inflation calculator.

Educational tool only — not financial advice. The 4% rule is a guideline, not a guarantee; sequence-of-returns risk and taxes are not modelled.

Frequently asked questions

What is FIRE?
FIRE stands for Financial Independence, Retire Early. The core idea: once your invested savings are large enough that a safe withdrawal covers your annual expenses, you no longer need to work for money.
What is the FIRE number?
It’s the portfolio you need to be financially independent — annual expenses ÷ safe withdrawal rate. At the common 4% rule that’s 25× your annual spending.
What withdrawal rate should I use?
The “4% rule” is the well-known starting point; more conservative planners use 3–3.5%. A lower rate means a larger FIRE number but more safety.
How are the years-to-FI estimated?
From your current investments plus monthly contributions, compounding at your assumed return until the balance reaches your FIRE number.
Is anything uploaded?
No — it computes in your browser.

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