FIRE Calculator — Financial Independence, Retire Early
Calculate your FIRE number, years to financial independence, savings rate, and Coast FIRE target. All calculations happen locally — nothing leaves your browser.
How to Use the FIRE Calculator
- Enter your age and savings — current age, retirement age, current savings, and annual contribution.
- Set your expenses — the annual amount you expect to spend once retired determines your FIRE number.
- Adjust assumptions — expected investment return, inflation rate, and safe withdrawal rate.
- Review your results — FIRE number, years to FIRE, savings rate, and Coast FIRE target.
Understanding Your FIRE Number
Your FIRE number is the portfolio value needed to sustainably cover your annual expenses using a safe withdrawal rate (commonly 4%, based on the "Trinity Study"). Once your invested assets reach this number, you can theoretically stop working and live off withdrawals indefinitely. The math is simple — FIRE Number = Annual Expenses ÷ Withdrawal Rate — but small changes in your expenses or withdrawal rate can shift the target significantly.
Frequently Asked Questions
FIRE stands for Financial Independence, Retire Early. It's a movement focused on aggressive saving and investing so you can retire (or stop needing to work) well before traditional retirement age, often in your 30s-50s.
The most common assumption is 4%, based on historical US market backtests (the "4% rule"). Some choose a more conservative 3-3.5% for extra safety, especially for very long retirements.
Coast FIRE is the amount you need saved today so that compound growth alone — with no further contributions — reaches your FIRE number by your target retirement age. Use our Coast FIRE Calculator to check your specific number.