FIRE Calculator
Calculate your Financial Independence, Retire Early (FIRE) number. See how long until you can retire based on savings rate and investments.
FIRE Number
$1,000,000
25× annual expenses at 4% withdrawal rate
Progress10.0%
$100,000 saved of $1,000,000
Years to FIRE
15
Savings Rate
43%
Monthly Withdrawal
$3,333
Still Needed
$900,000
Year-by-Year Projection
| Year | Balance | % of FIRE |
|---|---|---|
| 1 | $137,000 | 14% |
| 2 | $176,590 | 18% |
| 3 | $218,951 | 22% |
| 4 | $264,278 | 26% |
| 5 | $312,777 | 31% |
| 6 | $364,672 | 36% |
| 7 | $420,199 | 42% |
| 8 | $479,613 | 48% |
| 9 | $543,186 | 54% |
| 10 | $611,209 | 61% |
| 11 | $683,993 | 68% |
| 12 | $761,873 | 76% |
| 13 | $845,204 | 85% |
| 14 | $934,368 | 93% |
| 15 | $1,029,774 | 103% |
Frequently Asked Questions
What is FIRE?+
FIRE stands for Financial Independence, Retire Early. The goal is saving enough that investment returns cover your living expenses. Your 'FIRE number' is typically 25× annual expenses (based on the 4% rule).
What is the 4% rule?+
The 4% rule (Trinity Study) suggests you can safely withdraw 4% of your portfolio annually with low risk of running out over 30 years. A $1M portfolio supports $40K/year in withdrawals.
How does savings rate affect FIRE?+
Savings rate is the most important factor. At 50% savings rate, you can retire in ~17 years. At 70%, ~8.5 years. At 25%, ~32 years. Higher savings both increases investments and proves you need less to live on.