FIRE Calculator
Find your FIRE number and exactly how many years until you could retire — at your current savings rate.
✏️ These numbers were filled in from a shared link — change anything to make it your own.
How FIRE is calculated
Your FIRE number is the portfolio that can fund your lifestyle indefinitely: annual expenses ÷ withdrawal rate (× 25 at the 4% rule). Then we grow your current investments plus annual savings at your expected return until they reach it — that's your years to FI.
Your savings rate is the real lever: someone saving 50% of income reaches FI in roughly 17 years regardless of the dollar amount. Self-employed? A solo 401(k) lets you shelter far more toward that number.
Uses a fixed real return and the 4%-rule framework; markets vary. Not financial advice.
Frequently asked questions
How do I calculate my FIRE number?
Divide your expected annual expenses by your safe withdrawal rate. At the classic 4% rule, that means multiplying annual expenses by 25 — so $40,000/year of spending needs a $1,000,000 portfolio.
What is the 4% rule?
A guideline that you can withdraw about 4% of your portfolio in the first year of retirement (adjusting for inflation after) with a high chance the money lasts 30+ years. A lower rate (3–3.5%) is more conservative for very early retirees.
How many years until I reach FIRE?
It depends on your savings rate far more than your income. This calculator compounds your current investments plus annual contributions at your expected return until they hit your FIRE number, then shows the number of years — and your age at that point.