FIRE Calculator
Calculate your path to financial independence
Your numbers
$
yrs
$
$
7.0%
Historical inflation-adjusted stock market average is ~7%. Conservative investors use 5–6%.
4.0%
The 4% Rule (Trinity Study) means your portfolio historically sustains indefinite withdrawals at this rate.
Your FIRE results
Your FIRE Number
$1,250,000
Years to FIRE
21 yrs
Retirement Age
51
Projection
At 7% annual returns, saving $2,000/mo, you'll cross $1,250,000 in 21 years.
How it works: Your FIRE Number is calculated as Annual Spending ÷ Safe Withdrawal Rate. Portfolio growth uses compound interest: FV = PV × (1+r)ⁿ + PMT × ((1+r)ⁿ−1) / r. Years to FIRE is solved iteratively until your projected portfolio meets or exceeds your FIRE Number. All returns are inflation-adjusted. This calculator is for educational purposes and does not constitute financial advice.
FIRE Calculator · For educational purposes only · Not financial advice