Finance Tools
FIRE Calculator
Calculate when you can achieve Financial Independence and Retire Early (FIRE). Plan your path to freedom with accurate retirement projections.
Use FIRE Calculator to get instant results without uploads or sign-ups. Everything runs securely in your browser for fast, reliable output.
Your results will appear here.
About this tool
The FIRE (Financial Independence Retire Early) movement helps you calculate when you can retire based on the 4% rule. Our calculator shows exactly when you'll reach financial independence based on your savings rate and investment growth.
Used by aspiring early retirees to plan their path to financial freedom. Calculate your FIRE number, Coast FIRE point, and timeline to independence.
Usage examples
Standard FIRE
$40k expenses, $80k income, $100k saved → 17 years
Expenses: $40k, Income: $80k, Saved: $100k, Return: 7%
Lean FIRE
$25k expenses, $60k income, $50k saved → 15 years
Expenses: $25k, Income: $60k, Saved: $50k
Fat FIRE
$100k expenses, $200k income, $500k saved → 12 years
Expenses: $100k, Income: $200k, Saved: $500k
Coast FIRE
$30k expenses, $50k income, $250k saved
Already reached Coast FIRE! Stop saving, let it grow
Aggressive FIRE
$35k expenses, $120k income, $150k saved → 9 years
70% savings rate = FIRE in under 10 years!
How to use
- Enter current age and savings
- Enter annual expenses and income
- Set expected investment returns
- View your FIRE number and years to financial independence
Benefits
- Calculate FIRE number
- Years to financial independence
- Coast FIRE calculations
- Different FIRE scenarios
- Savings rate impact
- Free to use
FAQs
What is the FIRE movement?
FIRE (Financial Independence Retire Early) is a lifestyle movement focused on aggressive saving and investing to retire decades earlier than traditional retirement age. The goal is to save 25x your annual expenses (4% rule) so you can live off investment returns.
What is the 4% rule?
The 4% rule states that you can safely withdraw 4% of your portfolio annually in retirement without running out of money. This means your FIRE number = Annual Expenses × 25. For example, if you spend $40,000/year, you need $1,000,000 saved.
What is Coast FIRE?
Coast FIRE is when you've saved enough that your investments will grow to your FIRE number by traditional retirement age (65) without any additional contributions. You can "coast" in a low-stress job covering only current expenses.
What's the difference between Lean, Regular, and Fat FIRE?
Lean FIRE: Living on $25-40k/year with a minimalist lifestyle. Regular FIRE: $40-80k/year, comfortable middle-class retirement. Fat FIRE: $100k+/year, maintaining luxury lifestyle in retirement. Your FIRE target depends on your lifestyle preferences.
What's a good savings rate for FIRE?
To retire in: 10 years = save 70% of income, 15 years = save 55%, 20 years = save 45%, 30 years = save 30%. The higher your savings rate, the faster you achieve FIRE. Most FIRE seekers target 50%+ savings rates.
What investment return should I expect?
Historically, the S&P 500 returns ~10% annually (7% after inflation). Conservative FIRE calculations use 5-7% real returns. We recommend 7% for balanced projections, but test different scenarios to plan conservatively.
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