🔥 FIRE Calculator
When can you achieve financial independence and retire early?
🔥 FIRE Number
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⏳ Years to FIRE
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🎂 FIRE Age
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💰 Savings Rate
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Your Path to FIRE
Year-by-Year Breakdown
| Year | Age | Total Savings | Contributions | Gains | Milestone |
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What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement of people who save and invest aggressively—often 50%+ of their income—so they can retire decades before the traditional age of 65.
The core idea is simple: save enough money, invest it wisely, then live off the returns. The "4% rule" says if you withdraw 4% of your portfolio per year, your savings should last 30+ years.
FIRE Number = Annual Spending ÷ Withdrawal Rate. For example, if you need $40,000/year and use the 4% rule, your FIRE number is $1,000,000.
Types of FIRE
- Lean FIRE — Retire with minimal spending ($30k-$40k/yr). Requires ~$750k-$1M.
- Regular FIRE — Retire with moderate spending ($40k-$60k/yr). Requires ~$1M-$1.5M.
- Fat FIRE — Retire with comfortable spending ($80k+/yr). Requires $2M+.
How to Use This Calculator
Enter your income, savings, current portfolio, and expected returns. The calculator will show you exactly how many years until you hit your FIRE number, with year-by-year milestones so you can track your progress.