FIRE Calculator
Plan your path to Financial Independence Retire Early. Get your FIRE number, years to FIRE, and target age based on your savings rate, expected return, and safe withdrawal rate.
Your FIRE plan
Your savings rate is 47.1%.
FIRE number
$1,125,000
Based on 4% safe withdrawal rate.
Years to FIRE
14.6 years
FIRE age
45
Monthly contribution
$3,333
Total contributed
$583,333
Investment gains
$498,193
Coast FIRE at 65
$533,829
Frequently Asked Questions about the FIRE Calculator
What is the 4% rule?
The 4% rule says you can withdraw 4% of your portfolio in year one of retirement, adjust for inflation each year after, and have a high chance of not running out over 30 years. It comes from the Trinity study. Multiply annual expenses by 25 to get your FIRE number.
What is the difference between lean FIRE and fat FIRE?
Lean FIRE means retiring on a tight budget, often under $40,000 a year, with under $1M. Fat FIRE means retiring on $100,000+ a year, requiring $2.5M+. Most people target something in between.
What is coast FIRE?
Coast FIRE is the point at which your existing investments will compound into your full FIRE number by traditional retirement age without further contributions. You only need to cover current expenses; compounding does the rest.
What is sequence-of-returns risk?
Poor market returns early in retirement can permanently shrink your portfolio, even if average returns over time are fine. Selling shares during a downturn locks in losses. Common defenses: 2-3 years of cash, variable withdrawal rate.
Is a 4% withdrawal rate still safe today?
Some researchers argue 3.3-3.5% is safer for early retirees with 40-50 year horizons (Trinity assumed 30 years). Others say 4% remains reasonable with flexibility on spending in down years.