FIRE Calculator

Estimate your path to Financial Independence, Retire Early using the 4% Rule

Current Total Assets ($)

Annual Household Expenses ($)

Annual Savings Contribution ($)

Expected Annual Investment Return (%)

Average Annual Inflation Rate (%)

Target FIRE Number: $0.00

Safe Annual Withdrawal Amount: $0.00

Gap to Reach FIRE Goal: $0.00

Estimated Years Until FIRE: 0

Disclaimer: This FIRE calculator provides theoretical projections only based on the 4% withdrawal rule. Investment returns, inflation and personal spending are unpredictable and not guaranteed. All calculations run locally inside your browser, no user data is sent to external servers. Do not treat output results as formal financial advice. Consult a licensed financial planner before making retirement decisions.

How This FIRE Calculator Works
FIRE stands for Financial Independence, Retire Early. The core foundation is the widely known 4% Rule: you can safely withdraw 4% of your total investment portfolio in the first year of retirement, then adjust future withdrawals for inflation. Historically, this strategy has supported a sustainable retirement over multiple decades.

Your FIRE Number is calculated as annual living expenses multiplied by 25. This tool simulates asset growth considering regular annual savings, average market returns and inflation, to estimate approximately how many years you need to continue investing before hitting your retirement target.