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FIRE Calculator

Calculate your Financial Independence, Retire Early number.

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Find out exactly how much you need invested to retire early.

Calculate FIRE Number

Annual Expenses in Retirement

Current Invested Savings

Safe Withdrawal Rate (%) Traditionally 4% (the 4% rule).

Enter your details to see results.

Enter your annual expenses, current savings, and a safe withdrawal rate.

What is a safe withdrawal rate?

Traditionally 4%, meaning you can withdraw 4% of your portfolio each year without depleting it.

What is the FIRE Calculator used for?

The FIRE Calculator determines exactly how large your portfolio needs to be so you can live off the investment returns indefinitely and retire early.

What withdrawal rate does the FIRE Calculator assume?

The FIRE Calculator uses the famous “4% Rule,” meaning you withdraw 4% of your portfolio value each year.

Does the FIRE Calculator account for inflation?

The FIRE Calculator inherently accounts for inflation by assuming your portfolio grows at 7% while you only withdraw 4%.

Can the FIRE Calculator be used for traditional retirement?

Absolutely! The math in the FIRE Calculator works just as well for someone retiring at 65 as it does for someone retiring at 35.

Results are for informational purposes only and do not constitute financial advice. Always consult a qualified financial professional.