Financial Calculator

FIRE Calculator

Estimate your financial independence number based on annual expenses and withdrawal rate.

Calculate your investment growth

Your results

FIRE number
$0.00
Amount still needed
$0.00
Estimated years to FIRE
0 years
Growth chart coming soon

Frequently asked questions

What is a FIRE number?

Your FIRE number is the invested portfolio value intended to support your annual expenses through regular withdrawals.

What is the 4% rule?

The 4% rule is a retirement planning guideline that starts withdrawals at 4% of a portfolio in the first year and adjusts them for inflation later.

Can I use a withdrawal rate other than 4%?

Yes. A lower withdrawal rate produces a larger FIRE number and may provide more flexibility, while a higher rate produces a smaller target with greater risk.

How does investing affect my FIRE timeline?

Investment growth and regular contributions can compound over time, potentially reducing the number of years needed to reach your target.

Is the estimated FIRE timeline guaranteed?

No. The estimate assumes a constant return and contribution. Actual market returns, inflation, expenses, taxes, and contribution changes will affect the timeline.