FIRE Calculator
Find your FIRE (Financial Independence, Retire Early) number and how many years of saving it will take to get there.
Your numbers
- Years to financial independence
- 17 years
- Current progress
- 10.91%
- Savings rate needed per year
- $40,000
- Portfolio
- FIRE number
How the fire calculator works
FIRE number = annual expenses ÷ withdrawal rate (25× at 4%). We grow your savings with annual contributions until the portfolio reaches that number.
Example
Using the default inputs (Annual expenses in retirement: $55,000; Current invested assets: $150,000; Annual savings: $40,000; Real return: 5%; Withdrawal rate: 4%), the calculator returns fire number of $1,375,000. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What are Lean, Fat and Coast FIRE?
Lean FIRE covers a minimalist budget, Fat FIRE a generous one and Coast FIRE means saving enough now that growth alone reaches your target by retirement age.
What return should I assume?
Use real (after-inflation) returns of about 4%–6% to stay conservative.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.