FIRE Calculator

Calculate your path to Financial Independence, Retire Early. Enter your expenses, savings rate, and portfolio value to find your FIRE number and timeline.

Inputs

Lean/Fat scale expenses; Coast = growth-only to a target age

$

Today's dollars; inflated yearly for FIRE target

$
$
%
%

FIRE number = annual need ÷ SWR

$

Reduces net withdrawal need (annual)

%

Applied to expenses when projecting FIRE targets

Portfolio growth to FIRE

Inflation-adjusted FIRE target each year; reference line is your FIRE number at FIRE (4.00% SWR).

FIRE number

$1,753,506

4.00% SWR, inflation on expenses

Savings rate

50.0%

Years to FIRE

19 yrs

Monthly savings

$3,333

From income minus expenses

Frequently Asked Questions

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