finance calculator
Estimate financial independence and early retirement timeline.
Return when expenses, savings, returns, or withdrawal-rate assumptions change.
FIRE number
$1,250,000
Formula
FIRE number = annual expenses / withdrawal rateThe FIRE target estimates the portfolio size needed to support annual expenses at the chosen withdrawal rate.
Step by step
Example
With $50,000 saved, $2,500 saved monthly, $50,000 annual expenses, and a 4% withdrawal rate, the target FIRE number is $1.25M.
Related guides
Guide
Learn the principles of the FIRE movement, how to calculate your FIRE number, choose your FIRE sub-style, and create a roadmap to early retirement.
Guide
Plan your retirement savings with age-based benchmarks. See how much to save in your 20s, 30s, 40s, 50s, and 60s to reach your retirement goals.
Summary
FIRE number
$1,250,000
Portfolio target from expenses and withdrawal rate.
FIRE age
48.0
18.0 years from now.
Amount needed
$1,200,000
Gap between target and current savings.
Savings rate
37.50%
Based on expenses and monthly savings.
D3 visualization
See how much of the FIRE number is already funded and how much remains.
D3 visualization
A sampled projection shows the portfolio path toward the FIRE number.
Guide
The FIRE calculator estimates the portfolio size needed to support annual expenses at a chosen withdrawal rate. It then projects current savings and monthly savings forward until that target is reached.
It shows the FIRE number, estimated FIRE age, years to FIRE, amount still needed, and savings rate target. This helps turn an abstract independence goal into a measurable timeline.
Enter current age, current savings, annual expenses, monthly savings, expected return, and withdrawal rate. Review the FIRE number and projected age.
Test conservative assumptions. A lower withdrawal rate or lower return assumption increases the target and can extend the timeline.
FIRE number equals annual expenses divided by withdrawal rate. The calculator then compounds savings monthly and adds monthly savings until the portfolio reaches that target.
This simplified model does not include taxes, inflation, sequence-of-returns risk, changing expenses, or partial retirement income.
FIRE number
The portfolio target estimated from expenses and withdrawal rate.
Withdrawal rate
The annual percentage of portfolio value used for living expenses.
Savings rate
The share of income directed toward financial independence.
Many people start with 4% as a rough planning rule, but lower rates are more conservative.
No. Some people use FIRE planning for flexibility, part-time work, or career changes.
No. Use conservative return and expense assumptions if you want a rough inflation-aware view.