Plan your path to Financial Independence and Early Retirement. Calculate your FIRE number and see when you might be able to retire.
Standard assumption is 4%
Disclaimer: The results provided by this calculator are estimates and projections, not predictions or financial advice. Actual market returns, inflation, and personal circumstances will vary over time. Please consult a qualified financial advisor before making important financial decisions.
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This tool projects when you may be able to stop working based on Financial Independence, Retire Early (FIRE) math. It applies your annual expenses, safe withdrawal rate, savings, and growth assumptions to estimate when your portfolio could support your lifestyle.
Anyone aiming to retire before the traditional age of 65 can use it to compare scenarios. Whether you are pursuing Lean FIRE, Coast FIRE, or Fat FIRE, treat the result as a planning estimate and revisit it as your spending, savings, and returns change. Use our savings rate calculator to refine your inputs.
Example Input
Current portfolio: $200k. Annual spending: $40k. Target Safe Withdrawal Rate: 4%. Expected return: 7%.
Sample Output
Your target FIRE number is $1,000,000. By investing $2,000 a month, you will hit this target in roughly 15 years.
Example Input
Current portfolio: $500k. Desired annual retirement spending: $120k. Target SWR: 3.5%.
Sample Output
Your Fat FIRE number is roughly $3,428,000. With a $5,000 monthly contribution, it will take approximately 18 years to reach your goal.
Model out different scenarios to see the impact of cutting expenses versus increasing income. Lowering your retirement living expenses by just $5,000 a year can shave years off your working life. See our compound interest calculator to visualize the heavy lifting your portfolio does in the final years.
Be brutally honest about your future expenses. Will you have a paid-off house? Will you need to pay for private healthcare? Read our comprehensive FIRE guide to understand how to stress-test your safe withdrawal rate against historical market downturns.
The biggest mistake is assuming a constant 10% market return with no inflation. Always use real (inflation-adjusted) returns, typically around 5% to 7%. Another pitfall is forgetting to plan for taxes in retirement; use our capital gains tax calculator to estimate your future tax drag.
The 4% rule is a rule of thumb based on the Trinity Study that suggests you can safely withdraw 4% of your initial retirement portfolio balance each year, adjusted for inflation, for 30 years without running out of money.
The simplest method is to multiply your expected annual expenses in retirement by 25. For example, if you need $40,000 a year, your FIRE number is $1,000,000.
Lean FIRE involves extreme frugality and retiring with a minimal budget (e.g., $30k/year). Fat FIRE is for those who want a luxurious early retirement and build a much larger portfolio to support high spending.
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