Calculyn

FIRE Calculator (Early Retirement)

Find your financial independence number and how many years until you can retire early.

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Results update as you type.

Your FIRE number

$1,250,000
Years to reach it
18
Starting from
$100,000
Saving per year
$30,000
Your FIRE number$1,250,000

Results are estimates for planning and are not financial advice.

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Quick answer

$50,000 spending at a 4% withdrawal rate needs $1,250,000. Starting with $100,000 and saving $30,000/yr at 7% takes about 20 years.

How it works

Your FIRE number is the portfolio size where a safe withdrawal rate (commonly 4%) covers your annual spending forever. We grow your current savings plus contributions at your expected return until you hit it.

Formula

FIRE number = Annual spending ÷ Withdrawal rate

Assumptions & limitations

  • Results are rounded for display.

Frequently asked questions

Why 4%?

The '4% rule' comes from the Trinity Study: historically, withdrawing 4% of a balanced portfolio yearly lasted 30+ years.

Should I include my house?

Only include assets that produce income or can be sold to fund spending.