Free FIRE Calculator - Plan Your Financial Independence
Calculate your path to financial independence and early retirement with our interactive FIRE calculator.
Formula & Methodology
The FIRE (Financial Independence, Retire Early) movement relies on building a portfolio 25 times your annual expenses so you can safely withdraw 4% each year indefinitely.
- FIRE Number = Annual Spending × 25
- Safe Withdrawal = FIRE Number × 0.04
Worked Example
Using the FIRE Calculator: apply the formula above to your input values. For instance, FIRE Number = Annual Spending × 25, then Safe Withdrawal = FIRE Number × 0.04. The tool performs each step instantly and shows the result.
Frequently Asked Questions
What is your FIRE number?
It is the portfolio size that lets you retire on investment income, often estimated as 25 times your annual expenses.
What is the 4% rule?
It suggests withdrawing about 4% of your portfolio in year one, then adjusting for inflation, as a sustainable retirement rate.
How does my savings rate affect FIRE?
A higher savings rate both shrinks your target expenses and grows your portfolio faster, dramatically shortening the timeline.