Estimate how much you need to become financially independent, when you could reach FIRE, and whether you are already on track for Coast FIRE.
Enter your numbers to see your FIRE number, timeline and Coast FIRE progress.
A FIRE calculator estimates how much you need to become financially independent and how long it may take to reach that number. FIRE stands for Financial Independence, Retire Early.
The portfolio size needed to support your annual spending using a withdrawal rate.
The point where your current investments could grow enough for retirement without further contributions.
This calculator adjusts expected returns for inflation so the main numbers stay in today's money.
For example, if you plan to spend 50,000 per year and use a 4% withdrawal rate, your FIRE number is 1,250,000.
FIRE means Financial Independence, Retire Early. It is the idea of building enough invested assets to make paid work optional.
No. The 4% rule is a planning shortcut, not a guarantee. Returns, inflation, taxes and personal circumstances can change the outcome.
Coast FIRE means your current investments may be enough to grow to your FIRE number by a later retirement age, even if you stop contributing.
Learn more about FIRE, Coast FIRE, FIRE numbers, savings rates and early retirement planning.