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.
Your FIRE number$1,250,000
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.
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
Related calculators
Retirement Calculator
Project your nest egg to retirement age, including any employer match, and see the annual income it could safely provide.
Investment Calculator
Project a portfolio forward from a starting amount and regular contributions — and see how sensitive the result is to the return you assume.
Compound Interest Calculator
Compounding is interest earning interest. Set a starting balance, a monthly contribution and a rate to watch your money grow — and see how much of the result is pure growth.