FIRE Calculator
Calculate your path to Financial Independence, Retire Early (FIRE).
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Pair this calculator with a spreadsheet to keep an ongoing record of your finances.
Retirement Planning
Detailed projections for your retirement income and expenses.
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Complete financial planning template for managing your personal finances.
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Plan and project your retirement with confidence.
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These calculators are for educational and informational purposes only. Results are estimates based on the information you provide and should not be considered financial, tax, or investment advice. Your actual results may vary. For personalized guidance, please consult a qualified financial advisor, tax professional, or other appropriate expert.
People Also Ask
What does FIRE stand for?
FIRE stands for Financial Independence, Retire Early. It is a movement focused on aggressive saving and investing to achieve the financial freedom to retire well before traditional retirement age.
How do I calculate my FIRE number?
Your FIRE number is typically 25 times your annual expenses (based on the 4% rule). If you spend $40,000/year, your FIRE number is $1 million. Some use 30x or higher for more conservative planning.
What is a safe withdrawal rate?
The 4% rule suggests withdrawing 4% in year one, then adjusting for inflation. Studies show this has a high success rate over 30 years. More conservative planners use 3-3.5%.
Can I really retire in my 40s?
Yes, with aggressive saving (50%+ of income) and investment returns, retiring in your 40s is achievable. It requires significant lifestyle optimization, high income, or both.
What is the difference between lean FIRE and fat FIRE?
Lean FIRE means retiring on a minimal budget ($25,000-40,000/year). Fat FIRE means retiring with higher spending ($100,000+/year). Regular FIRE is somewhere in between.
How much do I need to save to retire early?
Saving rate determines time to FIRE more than income. At a 50% savings rate, you can retire in about 17 years. At 75%, about 7 years. The math works regardless of income level.