FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number. Find out how much you need and when you can retire.
Historical S&P 500 average: ~7% after inflation
Very conservative
~39 years in retirement (to age 90)
The amount you need invested to retire and live off 3.5% withdrawals
Time to FIRE
Retirement Age
Savings Rate
Monthly at FIRE
You're saving $1,667/month
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Understanding FIRE
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a lifestyle movement focused on extreme savings and investment to achieve financial freedom earlier than traditional retirement age (65+). The goal is to accumulate enough assets that the returns can cover your living expenses indefinitely.
How is the FIRE Number Calculated?
Your FIRE number is calculated using the formula: Annual Expenses ÷ Withdrawal Rate. For example, if you spend $40,000/year and use a 4% withdrawal rate, your FIRE number is $40,000 ÷ 0.04 = $1,000,000.
Dynamic Withdrawal Rates (Beyond the 4% Rule)
The traditional 4% rule comes from the Trinity Study (30-year retirement). But retirement length matters! This calculator uses smart rates that adjust automatically:
- 50+ years: 3.0% (very early retirement)
- 40 years: 3.5% (retiring in your 50s)
- 30 years: 4.0% (traditional retirement)
- 20 years: 5.0% (later retirement)
- 15 years or less: 6.0% (short retirement)
Toggle "Auto-adjust based on retirement length" above to use this smarter approach.
Types of FIRE
- Lean FIRE: Minimalist lifestyle, lower expenses (~$40K/year or less)
- Regular FIRE: Average lifestyle (~$40-100K/year)
- Fat FIRE: Luxury lifestyle ($100K+/year)
- Coast FIRE: Enough invested that compound growth will fund retirement, even without more contributions
- Barista FIRE: Partially retired, working part-time for benefits or extra income