Saving & Investing
FIRE Calculator
Financial Independence, Retire Early. We'll find your 'FIRE number' from your spending using the 4% rule, then estimate how long it takes to reach it.
Your numbers
$
4%
$
$
7%
Statement
Your FIRE number
$1,250,000
4.0% of it covers $50,000/yr
- Annual spending
- $50,000
- Invested so far
- $80,000
- Saving per month
- $2,000.00
- Years to reach FIRE
- 20 years
Saving $2,000 a month, you'd reach your $1,250,000 target in about 20 years.
Estimates only — not financial advice. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate.
- The result is a deterministic estimate from the inputs shown on this page.
- Fees, taxes and real-world terms not represented by an input are excluded.
- Confirm material decisions against original documents or a qualified professional.
The email includes this route only; calculator inputs are not attached.
Spending drives everything
Your FIRE number is a multiple of what you spend, not what you earn. Lowering annual spending cuts the target twice over: you need less to live on and a smaller nest egg to fund it. That's why frugality accelerates financial independence so powerfully.
Frequently asked questions
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