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FIRE Calculator

Applies the safe-withdrawal-rate framework behind the FIRE movement: how large a portfolio needs to be to sustainably fund your expenses, and how long it takes to get there at your savings rate.

FreeNo sign-upRuns in your browser
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Years to financial independence
16 yr
FIRE number (target portfolio)
$1,200,000

Based on the 4% safe withdrawal rule (or your custom rate) and a constant assumed return — a planning estimate, not a guarantee.

How it works

  1. 1Enter annual expenses in retirement and current savings
  2. 2Set your monthly savings rate and assumed return
  3. 3See your FIRE number and estimated timeline

Who this is for

  • Planning an early-retirement savings strategy
  • Testing how a savings-rate increase changes the timeline
  • Setting a concrete portfolio target