FIRE Calculator

Find out how much you need to be financially independent — and when you could get there.

Runs in your browser — nothing is uploaded

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For information only — not financial advice. Real results depend on fees, taxes and market conditions.

How to use FIRE Calculator

  1. Enter yearly spending and a withdrawal rate (often 4%).
  2. Add your current investments and yearly savings.
  3. Set a real (after-inflation) return.

Questions

What is the 4% rule?

A rule of thumb from historical US market data: withdrawing about 4% of a portfolio in the first year, then adjusting for inflation, lasted at least 30 years in most periods. It isn’t a guarantee.