Finance

FIRE Calculator — Financial Independence & Years to Retire

Work out your FIRE number — the savings you need to live off investment returns — and how many years of contributions it takes to get there. Uses an inflation-adjusted real return so the result is in today's money. Runs entirely in your browser; nothing is sent to a server.

  1. Enter your annual spending and current investment.
  2. Set your expected annual return percentage.
  3. See your FIRE number and years to financial independence.
FIRE number1,000,000
Years to FIRE24 years

Frequently Asked Questions

How is the FIRE number calculated?
Annual expenses divided by your safe withdrawal rate. At a 4% rate, that is 25× your annual expenses.
What is a "real return"?
Your expected investment return after subtracting inflation, so the result is expressed in today's purchasing power.
Is this financial advice?
No. It is a planning estimate using simplified assumptions. Consult a qualified adviser before making decisions.
Is my data sent anywhere?
No. All calculations run in your browser.