FIRE Calculator
Find out exactly when you can achieve financial independence and retire early. Free calculator with no sign-up required.
Your Numbers
7%
4%
Target age must be after current age
Your Results
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Enter your numbers and click calculate
Best Brokerages for FIRE Investors
Low-cost index funds and tax-advantaged accounts are the foundation of most FIRE portfolios. These platforms support early retirees:
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$25–$1,250/referral
Automated investing, tax-loss harvesting, no minimums
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Fidelity
No minimums, free ETFs
Zero-expense-ratio index funds, great for FIRE community
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FIRE Calculator FAQ
What is the 4% rule in FIRE?
The 4% rule is a retirement withdrawal strategy suggesting you can safely withdraw 4% of your portfolio annually in retirement without running out of money over 30 years. This means your FIRE number = annual expenses × 25. FIRE practitioners often use 3-3.5% for extra safety, especially for earlier retirement dates.
What is a good FIRE number?
Your FIRE number is your annual expenses × 25 (using the 4% rule). For example, if you spend $40,000/year, your FIRE number is $1,000,000. Many FIRE seekers target $40,000-$60,000 in annual expenses since those are achievable with $1-1.5M invested in low-cost index funds.
How do I calculate my FIRE number?
Your FIRE number = (Annual Expenses ÷ Withdrawal Rate). With a 4% withdrawal rate and $50,000 in annual expenses, your FIRE number is $1,250,000. The FIRE calculator above handles the compound growth math to tell you how many years until you reach that number.
What return rate should I use for FIRE calculations?
Most FIRE practitioners use 6-7% real returns (after inflation) as a conservative long-term average for a diversified portfolio of stocks and bonds. Using 7% nominal returns is common but slightly aggressive. Our calculator uses 7% by default, which is the historical S&P 500 average.
What withdrawal rate is safest for early retirement?
For traditional 30-year retirements, 4% is considered safe. For early retirement (40+ years), many FIRE practitioners recommend 3-3.5% withdrawal rate. The "Coast FIRE" approach uses a lower withdrawal rate early in retirement, increasing spending later as Social Security or pensions kick in.
What is Coast FIRE?
Coast FIRE is when you've saved enough that compound growth alone will grow your portfolio to your full FIRE number by traditional retirement age, even if you stop saving. At that point, you only need to earn enough to cover current expenses without building savings — giving you career flexibility.