FIRE Calculator

Financial Independence, Retire Early — find your FIRE number and timeline

Current Age

Current Savings / Portfolio ($)

Annual Income ($)

Savings Rate (%)

Annual Expenses in Retirement ($)

Expected Market Return (% p.a.)

Safe Withdrawal Rate (%)

FIRE Explained

FIRE Number = Annual expenses ÷ Safe Withdrawal Rate. The 4% rule (from the Trinity Study) says you can withdraw 4% of your portfolio annually with a 95%+ chance of not running out over 30 years. Lean FIRE: <$1M; Regular FIRE: $1–2.5M; Fat FIRE: $2.5M+.