🔥

FIRE Calculator

Your Financial Independence number + years to FIRE at current savings rate.

Annual Income (after tax)

Annual Expenses

Current Savings/Investments

Expected Return %

Safe Withdrawal Rate %

4% Trinity rule, but 3-3.5% safer for longer retirements

FIRE Type

Years to Financial Independence

Your FIRE number$1,250,000

Savings rate38%

Final balance$1,344,864

Savings rate is the lever. 50% saved = 17 years to FIRE. 25% = 32 years. 10% = 51 years. Cut expenses to compound the effect (lower number AND faster growth).