FIRE Calculator
Calculate your FIRE number for Financial Independence, Retire Early. Plan Lean FIRE, Fat FIRE, Coast FIRE, or Barista FIRE based on your savings rate, expenses, and investment returns.
Personal Details
Savings
Adjust the slider to set your savings rate
0-15%
Low savings rate - FIRE will take longer
15-40%
Good savings rate - on track for FIRE
40%+
Excellent! You're on the fast track to FIRE
FIRE Settings
Your FIRE Number
$1.3M
Years to FIRE
26 years
FIRE Age: 56
Monthly Investment Needed
$2,000
/month
Progress to FIRE4.0%
$50,000$1.3M
Net Worth Projection
Age 30$50,000
Age 31$76,250
Age 32$103,681
Age 33$132,347
Age 34$162,303
Age 35$193,606
Age 36$226,318
Age 37$260,503
Age 38$296,225
Age 39$333,555
Building Wealth FIRE Reached
Savings Rate Impact
10% savings rate42 years
20% savings rate32 years
30% savings rate26 years
40% savings rate22 years
50% savings rate19 years
60% savings rate17 years
Why Use a FIRE Calculator?
FIRE (Financial Independence, Retire Early) is about building enough wealth to live off investment returns. This calculator helps you determine how much you need to save, when you can achieve financial independence, and tracks your progress toward freedom from mandatory work.
Frequently Asked Questions
What is the 4% rule?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually without running out of money over 30 years. This means you need 25x your annual expenses saved. Some prefer a 3-3.5% rate for extra safety.
What's the difference between FIRE types?
Lean FIRE: Frugal lifestyle, lower target. Traditional FIRE: Standard 25x expenses. Fat FIRE: Luxurious retirement. Coast FIRE: Save enough early to coast. Barista FIRE: Part-time work covers some expenses.
What return rate should I assume?
A diversified stock portfolio historically returns 7-10% annually before inflation, or 4-7% real return. Many FIRE calculators use 7% as a conservative estimate. Lower for more bond-heavy allocations.
How do I increase my savings rate?
Focus on the big three: housing, transportation, and food. Consider house hacking, driving used cars, and cooking at home. Also maximize income through career growth, side hustles, or skill development.
Is early retirement realistic?
Many people achieve FIRE in their 30s-50s with high savings rates (50%+). The key is the gap between income and expenses. Even modest incomes can reach FIRE with low expenses and smart investing.