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FIRE Calculator

Calculate your FIRE number and how many years until financial independence. See year-by-year projections based on your savings rate and investment returns.

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Your Financial Situation

Your FIRE Target

FIRE Number

$1,250,000

Achievable in 14 years

Years to FIRE

14

Annual Savings

$50,000

Savings Rate

50.0%

Progress to FIRE

$50,000 of $1,250,000 (4.0%)

Year-by-Year Projection

YearContributionsInvestment GrowthTotal SavingsStatus
1$50,000$3,500$103,500
2$50,000$7,245$160,745
3$50,000$11,252$221,997
4$50,000$15,540$287,537
5$50,000$20,128$357,665
6$50,000$25,037$432,701
7$50,000$30,289$512,990
8$50,000$35,909$598,899
9$50,000$41,923$690,822
10$50,000$48,358$789,180
11$50,000$55,243$894,423
12$50,000$62,610$1,007,032
13$50,000$70,492$1,127,524
14$50,000$78,927$1,256,451FIRE
15$50,000$87,952$1,394,403FIRE
16$50,000$97,608$1,542,011FIRE
17$50,000$107,941$1,699,952FIRE
18$50,000$118,997$1,868,948FIRE
19$50,000$130,826$2,049,775FIRE
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Attribution preview

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How to Use FIRE Calculator

  1. 1

    Enter current savings

    Enter the total amount you currently have saved and invested.

  2. 2

    Set income and expenses

    Enter your annual income and annual expenses to determine your savings rate.

  3. 3

    Set return rate

    Enter your expected annual investment return rate (historically 7-10% for stocks).

  4. 4

    Set withdrawal rate

    Choose your safe withdrawal rate. The standard is 4% per the Trinity Study.

  5. 5

    Review your FIRE plan

    See your FIRE number, years to FIRE, and detailed year-by-year projection.

Frequently Asked Questions

FIRE stands for Financial Independence, Retire Early. It's a movement focused on saving and investing aggressively so you can retire much earlier than the traditional age of 65.

The 4% rule comes from the Trinity Study, which found that retirees who withdraw 4% of their portfolio in the first year (adjusting for inflation) have a very high chance of not running out of money over 30 years.

Your FIRE number equals your annual expenses divided by your withdrawal rate. For example, if you spend $50,000/year and use a 4% withdrawal rate, your FIRE number is $1,250,000.

The S&P 500 has historically returned about 10% nominally, or 7% after inflation. Using 7% gives you a more conservative, inflation-adjusted projection.