FIRE Calculator

Why use FIRE Calculator?

Plan Financial Independence Retire Early with savings targets and timeline.

What this is forWork out a FIRE corpus and how long until financial independence at your savings rate.

4% rule modelUses a common withdrawal framework — adjust return and expense assumptions to stress-test.

Share your planThe link saves savings, expenses, and return assumptions.

Good to knowLong-term assumptions may not hold. Inflation and markets vary. Planning tool — not a brokerage pitch.

Worked Example: FIRE with $40k annual expenses

The 4% rule suggests you need 25× annual expenses invested. Adjust withdrawal rate for conservative planning.

Based on the 4% rule: FIRE number = annual expenses × 25. Enter savings rate to estimate years to FIRE.

What is the 4% rule?

Withdraw 4% of your portfolio annually in retirement; historically this sustains savings for 30+ years.

Disclaimer

This calculator gives you an estimate only. It is not a promise of exact results.
This is general information, not personal financial, tax, or legal advice.
You are responsible for your own decisions. Talk to a qualified professional when it matters.
Pension and retirement rules vary by country and employer. Plans can change over time.

Plan your retirement corpus based on current savings, contributions, and expected returns.

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Understand how inflation erodes purchasing power over time.

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