FIRE Calculator

Calculate your path to Financial Independence, Retire Early (FIRE) based on your income, expenses, and investment returns

Personal Information

Current Age

Current Net Worth ($)

Annual Income ($)

Annual Expenses ($)

Investment Assumptions

Expected Annual Return: 7%

Safe Withdrawal Rate: 4%

Social Security Age

Expected SS Annual ($)

About FIRE

What is FIRE?

FIRE (Financial Independence, Retire Early) is a movement focused on extreme savings and investment to allow retirement much earlier than traditional retirement plans. The goal is to accumulate enough assets to live off investment returns without needing employment income.

The 4% Rule

The traditional FIRE approach uses the 4% withdrawal rate, meaning you need 25 times your annual expenses saved to maintain your lifestyle indefinitely. This is based on historical market performance and the Trinity Study.

FIRE Variations

Lean FIRE

Minimal expenses, lower target amount needed for financial independence.

Fat FIRE

Higher expenses and lifestyle, requiring a larger target amount.

Coast FIRE

Enough saved that compound growth will reach FIRE by traditional retirement age.