FIRE calculator: savings rate, years to financial independence, and 25× expense target. Based on the 4% withdrawal rule. Free in-browser tool.
FIRE means your investments can cover living costs without a paycheck. Your FIRE number ≈ 25× annual spending (4% withdrawal). Example: $40,000/year expenses → about $1M target. A 50% savings rate can reach FIRE in roughly 17 years at ~7% returns — this calculator shows your timeline from income, spending, and current assets.
Target portfolio ≈ 25 × annual expenses, based on withdrawing ~4% per year. $48,000/year spending → roughly $1.2M FIRE number. Adjust for your risk tolerance and taxes.
Higher savings rate = more money invested each month and less spending to cover later. Going from 20% to 50% savings can cut years to FIRE dramatically — often more impactful than chasing an extra 1% return.
Lean FIRE: retire on a frugal budget. Fat FIRE: maintain a high lifestyle. Coast FIRE: invest enough early that compounding reaches your later target without further savings — you only need to cover current expenses until traditional retirement.
It is a planning starting point from historical U.S. portfolio data, not a promise. Sequence-of-returns risk, longevity, and healthcare costs can require 3–3.5% in conservative plans. Use our FIRE number as a benchmark, then stress-test lower withdrawal rates.