FIRE Calculator
Calculate your FIRE number — the savings target for financial independence — plus how many years until you can retire early based on your savings rate, expenses, and expected investment return.
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Frequently Asked Questions
What does FIRE stand for?
Financial Independence, Retire Early. The goal is to accumulate enough invested assets that investment returns cover living expenses indefinitely, making traditional employment optional.
How is the FIRE number calculated?
FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate. Using the classic 4% rule this equals Annual Expenses × 25. The 4% figure comes from the Trinity Study, which found 4% annual withdrawals survived 30-year periods ~95% of the time.
What safe withdrawal rate should I use?
The traditional 4% works for 30-year retirements near traditional age. For early retirees with 40–50 year horizons, many experts recommend 3–3.5% to account for longer time frames and potential sequence-of-returns risk.