FIRE Calculator

Find your FI number and timeline

Financial Independence / Retire Early (FIRE) planning starts with your annual spending and a safe withdrawal rate. See your target nest egg and years to get there.

Example chart showing savings growth toward a financial independence target at default inputs — Example chart using this page’s default inputs. Adjust the calculator to update the live chart below.

                    Your data stays on your device. Calculations run in your browser. Use Track this goal to save progress locally — no account required.
                

Annual Expenses ($)

Withdrawal Rate (%)

Current Invested Savings ($)

Investment ($)

Contribution timing

Expected Annual Return (%)

Compounding

—

Progress Toward Financial Independence

Contributions vs. Growth

Final Breakdown

                    Assumptions: FI number = annual expenses ÷ withdrawal rate (default 4%). Investment returns are assumed constant. Compounding and contribution timing follow your selections above (defaults: annual compounding, end-of-period contributions).
                    Projections are estimates only and not guaranteed returns or financial advice.
                

How This Calculator Works

Your FI number is the portfolio that could support your expenses at the chosen withdrawal rate. We then estimate years to reach it given savings and return.

Example

$50,000 annual expenses at 4% withdrawal implies a $1.25M FI number.

FAQ

What is lean vs fat FIRE?

Lean FIRE uses lower spending; fat FIRE assumes a higher lifestyle and larger nest egg.

Coast FIRE?

Coast FIRE means you already have enough invested that growth alone may reach FI by traditional retirement — not modeled separately here.