FIRE Calculator
Calculate your path to Financial Independence and Early Retirement
Retirement Simulator
Net Worth Simulator
FIRE Calculator
� Assumptions
Age
?
Your current age. This determines how many years you have to save and accumulate wealth before reaching your target retirement age.
years
Retire At
?
The age at which you want to achieve financial independence and retire early. Common FIRE targets range from 40-60 years old, depending on your savings rate and lifestyle goals.
years
Total Savings
?
The total amount you currently have saved and invested. Include all retirement accounts (401k, IRA), taxable investments, savings accounts, and other liquid assets that will grow toward your FIRE goal.
$
Monthly Savings
?
How much you plan to save and invest each month toward your FIRE goal. Higher savings rates dramatically reduce the time needed to reach financial independence.
$/month
Expenses
?
Your expected annual living expenses during retirement in today's purchasing power. This is used to calculate your FIRE number using the 4% rule (FIRE number = annual expenses ÷ withdrawal rate).
$/year
Return
?
The average annual return you expect from your investment portfolio before inflation. Historical stock market returns average 7-10% annually, but conservative planning might use 6-7%.
%
Withdraw
?
The percentage of your portfolio you plan to withdraw annually in retirement. The traditional '4% rule' suggests this rate for a 30+ year retirement, though some use 3-3.5% for extra safety.
%
🎯 Your FIRE Results
Wealth Accumulation
FIRE Target
FIRE Achievement
Years Until Financial Independence
--
years to FIRE
Target FIRE Number
$0
Projected Savings at Target Age
$0
Monthly Savings Needed
$0
Current Progress
0%
Progress to FIRE
$0 of $0
Scenario Analysis