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Calcimator

FIRE Calculator

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

Inputs

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Results

FIRE Number

$1,000,000.00

FIRE Age44
Years to FIRE14
Monthly Passive Income$3,333.33
Annual Expenses$40,000.00
Annual Savings$40,000.00
How to Use This Calculator
  1. Enter your current age and current savings balance.
  2. Set your annual income and savings rate β€” FIRE requires aggressive saving, typically 50-70% of income.
  3. Enter your expected annual investment return (7% real return is commonly used).
  4. Set the withdrawal rate β€” the standard 4% rule is widely cited as sustainable for 30+ year retirements.
  5. Review your FIRE number (25x annual expenses), projected FIRE age, years to FIRE, and expected monthly passive income.
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