Home » FIRE Calculator

FIRE Calculator

Calculate your Financial Independence number, how many years until you can retire early, and the savings rate needed to reach FIRE.

Your data stays in your browser. Nothing is stored or sent to any server.

Enter Your Details

$0
Your FIRE Number
0
Years to FIRE
0
FIRE Age
0%
Current Savings Rate
$0
Annual Savings

What Is FIRE?

FIRE (Financial Independence, Retire Early) means accumulating enough investments that your portfolio can sustain your living expenses indefinitely through the returns it generates. Your FIRE number = Annual Expenses ÷ Safe Withdrawal Rate. At a 4% withdrawal rate, you need 25× your annual expenses saved. So if you spend $45,000/year, your FIRE number is $1,125,000.

The Power of Savings Rate

Your savings rate is the single most important variable. At a 50% savings rate with 7% returns, you can reach FIRE in approximately 17 years regardless of income. At 70%, it's about 8 years. Track your progress with our Net Worth Calculator and maximize growth with our Compound Interest Calculator.

FAQs

What is a good FIRE number?
It depends entirely on your expenses. At 4% SWR: $40K/yr expenses = $1M FIRE number. $60K = $1.5M. $80K = $2M. Lower expenses = faster FIRE.
Is the 4% rule still valid?
The 4% rule was designed for 30-year retirements. For early retirees (40+ year horizons), many planners suggest 3.25-3.5% for extra safety. Use our Safe Withdrawal Rate Calculator.

Types of FIRE

Lean FIRE: Minimalist lifestyle, expenses under $40K/year, FIRE number under $1M. Regular FIRE: Comfortable lifestyle, $40-80K/year, FIRE number $1-2M. Fat FIRE: Luxury lifestyle, $80K+/year, FIRE number $2M+. Coast FIRE: You've saved enough that compound growth alone will fund retirement — you can stop saving aggressively and just cover current expenses. Barista FIRE: Semi-retired with a part-time job covering expenses while investments grow. Use our Retirement Calculator for traditional planning or our Safe Withdrawal Rate Calculator to model sustainability.

Understanding FIRE

Need 25× expenses. Savings rate: 50% → 17 years. Types: Lean, Regular, Fat, Coast, Barista.