FIRE calculator.
Your number and your timeline.
Enter your spending, your savings, and how much you invest each year. You get your FIRE number from the 4 percent rule, the number of years until you reach financial independence, and the age you get there. It runs in real, inflation-adjusted terms, so every figure is in today money. Free, no signup, instant.
Use any currency you like, just keep every field in the same one. Spending is what you want your investments to cover each year once you stop working.
How FIRE works
The FIRE number
Financial independence is the point where your investments can cover your spending without you working. The maths behind it is simple: your FIRE number is your annual spending divided by the rate at which you safely draw from your portfolio. At a 4 percent withdrawal rate, that is 25 times your yearly spending. Spend 40,000 a year and your target is one million. Spend 25,000 and it drops to 625,000. The biggest lever on the target is not your income, it is your spending, because every reduction shrinks the number you are chasing and raises the amount you can invest at the same time.
Why the withdrawal rate matters
The 4 percent rule comes from research into how much a diversified portfolio could sustain across a 30-year retirement without running dry. It is a guideline, not a promise. A lower withdrawal rate, say 3.5 percent, builds in margin for a longer retirement or a rough run of early market returns, at the cost of a larger target. A higher rate, say 5 percent, shrinks the target but leans on your portfolio harder. Move the rate in the calculator and watch the FIRE number swing: that sensitivity is the single most important thing to understand before you commit to a number.
What drives your timeline
The years to financial independence come from projecting your current savings forward, adding your annual contributions, and compounding at your expected real return until you hit the target. The dominant factor is your savings rate, the share of your income you keep and invest. Someone saving half their income reaches independence in a fraction of the time of someone saving a tenth, almost regardless of how much they earn, because a high savings rate both fills the portfolio faster and lowers the spending the portfolio has to cover. Returns help, but they are not the lever you control. Your savings rate is.
Frequently asked.
Your FIRE number is the amount you need invested to live off your portfolio indefinitely. It equals your annual spending divided by your safe withdrawal rate. At the common 4 percent rate, that is 25 times your yearly spending: if you spend 40,000 a year, your FIRE number is 1,000,000.
Ready to track the gap, not just the target?
This is your number today. The Net Worth + FIRE Planner tracks your real net worth against it, counts down your FIRE date as you log it, and the AI coach tells you the one move that pulls the date closer.
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