🔥 FIRE Calculator

Calculate when you can achieve Financial Independence and Retire Early

Your Financial Details

The total amount you have saved and invested today — retirement accounts, brokerage, savings, etc.
Your gross (pre-tax) annual income from all sources.
Your total yearly spending. In FIRE, lowering expenses is just as powerful as earning more — it reduces your FIRE number AND increases savings.
Historical US stock market returns average ~10% nominal, ~7% inflation-adjusted. Most FIRE planners use 6–8% to be conservative.
The Trinity Study found 4% historically survived 30 years. Early retirees with 40–50 year horizons often use 3–3.5% to be safer.
The 4% rule is commonly used
Used to calculate your FIRE age and how many years of investment growth you have ahead.

Your FIRE Timeline

Your FIRE Number
$0
Amount needed to retire based on 4% rule
Years Until FIRE
0
You'll reach FIRE at age --
Annual Savings
$0
Savings rate: --%
Monthly Savings Needed
$0
To reach FIRE on schedule
// Validation FPValidate.init({ 'current-savings': { label: 'Current savings', min: 0 }, 'annual-income': { label: 'Annual income', min: 0, custom: function(v, el) { var expenses = parseFloat(document.getElementById('annual-expenses').value); if (!isNaN(expenses) && v < expenses) return 'Income is less than expenses — you cannot save toward FIRE.'; }}, 'annual-expenses': { label: 'Annual expenses', min: 0 }, 'return-rate': { label: 'Return rate', min: 0, max: 20, unit: '%' }, 'withdrawal-rate': { label: 'Withdrawal rate', min: 1, max: 10, unit: '%' }, 'current-age': { label: 'Age', min: 10, max: 100, unit: ' years' }, }); // Share results function fpFireShare() { var results = [ { label: 'FIRE Number', value: document.getElementById('fire-number').textContent }, { label: 'Years to FIRE', value: document.getElementById('years-to-fire').textContent }, { label: 'Annual Savings', value: document.getElementById('annual-savings').textContent }, { label: 'Monthly Needed', value: document.getElementById('monthly-savings').textContent }, ]; FPShare.open('My FIRE Calculator Results', results); }