FIRE Calculator
Calculate your FIRE number and years to financial independence using the 4% rule. See a progress bar and yearly projections.
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Results
FIRE Number
$1,000,000
Years to FIRE
~21 years
Current Progress
5.0%
Current Savings
$50,000
Yearly Projection
Yr 1
$72,203
Yr 2
$96,012
Yr 3
$121,541
Yr 4
$148,917
Yr 5
$178,271
Yr 6
$209,747
Yr 7
$243,498
Yr 8
$279,690
Yr 9
$318,497
Yr 10
$360,110
Yr 11
$404,732
Yr 12
$452,579
Yr 13
$503,884
Yr 14
$558,899
Yr 15
$617,891
Yr 16
$681,147
Yr 17
$748,976
Yr 18
$821,709
Yr 19
$899,699
Yr 20
$983,327
Yr 21
$1,073,001
Yr 22
$1,169,157
Yr 23
$1,272,264
Yr 24
$1,382,825
Yr 25
$1,501,378
Yr 26
$1,628,502
Yr 27
$1,764,816
Yr 28
$1,910,983
Yr 29
$2,067,717
Yr 30
$2,235,781
How Does the FIRE Calculator Work?
FIRE (Financial Independence, Retire Early) calculates how long it will take to reach financial independence based on the 4% rule. Your FIRE number is 25 times your annual expenses — the amount you need invested to safely withdraw 4% per year indefinitely.
Uses compound growth with monthly contributions
Example
With $40,000 in annual expenses, your FIRE number is $1,000,000. If you have $50,000 saved and add $1,500/month at 7% returns, you'll reach FIRE in approximately 20 years.
Common Use Cases
- Planning an early retirement timeline.
- Understanding how savings rate impacts your path to financial independence.
- Setting concrete financial goals with measurable milestones.
FAQs
What is the 4% rule?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. Multiply annual expenses by 25 to get your target.
Is FIRE realistic for everyone?
FIRE requires a high savings rate. The higher your savings rate relative to expenses, the faster you'll reach independence. Adjusting expenses downward is often the most powerful lever.