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Investment & Retirement
FIRE Calculator — Financial Independence, Retire Early
Calculate your FIRE number, years to financial independence, and how long your portfolio will last.
The FIRE calculator computes your Financial Independence number — the portfolio size at which you can retire and live off investment returns indefinitely. Based on the famous "4% Rule" from the Trinity Study (1998), you can withdraw 4% of your portfolio annually with a historically high probability of the money lasting 30+ years. Enter your desired annual retirement spending, current savings, and annual savings rate to find how many years until you reach financial independence.
🔥 FIRE Parameters
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Enter your financial details to calculate your FIRE number and retirement date.
Frequently Asked Questions
The 4% rule (from the 1998 Trinity Study) found that a 4% annual withdrawal from a 50/50 stock-bond portfolio survived 30-year historical retirement periods with 95%+ success. For 40+ year early retirements, consider a 3–3.5% rate. It's a planning guideline, not a guarantee.
Your time to FIRE is largely determined by your savings rate (savings ÷ income). Save 50% → retire in ~17 years. Save 70% → retire in ~9 years. Save 25% → retire in ~32 years. Maximizing your savings rate — by increasing income or reducing expenses — dramatically accelerates FIRE.
CoastFIRE: stop adding to investments and let compound growth reach your FIRE number by a target age. BaristaFIRE: semi-retire to a part-time job that covers living expenses while your portfolio grows. Both reduce the required FIRE number and accelerate your timeline.