FIRE Calculator
Calculate your FIRE number and retirement age. Use the 4% rule to find how much you need to achieve financial independence and retire early.
Savings rate: 32.4% of income
Your FIRE Number
$1,250,000.00
50,000 × 25 (4% rule)
$75,000.00 of $1,250,000.00
Years to FIRE
19 years
Monthly at 4%
$4,166.67
About the FIRE Calculator
The FIRE (Financial Independence, Retire Early) movement has inspired millions to rethink the traditional retirement timeline. At its core, FIRE is mathematically simple: save 25 times your annual expenses, invest in low-cost index funds, and withdraw 4% annually. Our FIRE calculator shows your FIRE number, how long it will take to reach it based on your current savings rate, and how different savings rates dramatically compress your timeline.
Formula
FIRE Number = Annual Expenses × 25
How It Works
Your FIRE number = Annual Expenses × 25 (based on the 4% safe withdrawal rate). The 4% rule comes from the Trinity Study, which found a 95%+ historical success rate for a 30-year retirement with a 60/40 portfolio. Timeline to FIRE depends almost entirely on your savings rate: at 10% savings rate, you need 43 years; at 25%, 32 years; at 50%, 17 years; at 75%, 7 years. Higher savings rate compresses the timeline exponentially.
Tips & Best Practices
- ✓LeanFIRE: annual spending under $40,000. Regular FIRE: $40,000–100,000. FatFIRE: $100,000+.
- ✓CoastFIRE means saving aggressively early, then stopping — letting compounding do the rest.
- ✓BaristaFIRE: semi-retire with part-time income that covers expenses while portfolio continues to grow.
- ✓Geographic arbitrage (moving to lower cost areas or countries) dramatically reduces your FIRE number.
- ✓Tax-advantaged accounts (Roth IRA conversions, 72(t) distributions) enable pre-59½ withdrawals.
Who Uses This Calculator
Young professionals beginning their FIRE journey, people mid-career recalculating their timeline after saving aggressively, and financial independence bloggers and coaches explaining the math of early retirement all rely on FIRE calculations.
Optimised for: USA · Canada · UK · Australia · Calculations run in your browser · No data stored
Frequently Asked Questions
What is the FIRE movement?
FIRE stands for Financial Independence, Retire Early. Followers save aggressively (50–70% of income) to retire decades before traditional retirement age.
What is a FIRE number?
Your FIRE number is 25× your annual expenses — the amount needed to live off 4% withdrawals indefinitely.