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FIRE Calculator

When can you reach financial independence?

Calculator

Calculate Your FIRE Date

Enter your income and expenses to see when you can reach financial independence.

Annual Income (after tax) ($)

Annual Expenses ($)

Current Savings ($)

Expected Return (%)

Safe Withdrawal Rate (%)

Frequently Asked Questions

What is the FIRE movement?

FIRE stands for Financial Independence, Retire Early. The core idea is to save and invest aggressively (often 50 to 70% of income) so that your investment returns can cover your living expenses permanently. It does not necessarily mean never working again, but rather having the freedom to choose.

What is the 4% rule?

The 4% rule comes from the Trinity Study, which found that withdrawing 4% of your portfolio per year (adjusting for inflation) has historically sustained a portfolio for at least 30 years with high probability. Your FIRE number is your annual expenses divided by 0.04, or simply 25 times your annual expenses.