FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number, timeline, and monthly passive income.

The FIRE number this calculator produces is built on the widely cited "25x expenses" rule of thumb at the standard 4% withdrawal rate: it divides your annual expenses by your chosen withdrawal rate to estimate the portfolio size that has historically sustained those expenses over a roughly 30-year retirement (the Bengen/Trinity-study backtesting behind the 4% rule), drawing on both investment returns and principal rather than income alone. Annual expenses are not asked for directly -- the calculator infers them from your income and savings rate, treating whatever fraction of income you do not save as what you spend each year; because Annual Income is your gross (pre-tax) income, this inference also counts the income tax you currently pay as a permanent retirement expense, which can meaningfully inflate the FIRE number. From there it projects your current savings forward year by year, compounding at your expected annual return and adding your annual savings on top, until the projected balance reaches the FIRE number, which produces both a years-to-FIRE estimate and a projected FIRE age. The projection is capped at 50 years -- if the target is not reached by then, the calculator reports that the plan does not reach FIRE within the horizon and shows the remaining shortfall instead of a fabricated age. The withdrawal rate does double duty in this model: a lower rate demands a larger nest egg (a more conservative target) but, once you actually reach it, yields exactly the same monthly passive income as a higher rate would, because the FIRE number and the withdrawal rate are defined so their product always equals your annual expenses. This is a deliberately simplified model -- it assumes one constant return every single year with no market volatility, no sequence-of-returns risk around retirement, and no explicit inflation adjustment to future purchasing power, so treat the output as a rough planning anchor rather than a guarantee of any particular retirement date.