FIRE Calculator
Calculate your Financial Independence Retire Early (FIRE) number and how many years until you reach it.
Part of our Finance Calculators collection.
FIRE Calculator
Free online calculator
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4% is the classic rule. Some use 3.5% for longer retirements
How to Use This Calculator
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Enter your financial details.
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See projections instantly.
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Adjust to model different scenarios.
How This is Calculated
FIRE Number = Annual Expenses / Withdrawal Rate Years to FI: solve FV(savings) = FIRE Number FV = PV(1+r)^n + Annual Savings × [(1+r)^n − 1] / r
Example Calculation
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Frequently Asked Questions
How accurate are these projections?
Investment projections assume a constant return rate which never occurs in practice. Use these as planning guides, not guarantees.
Should I consult a financial advisor?
For retirement planning, a fee-only fiduciary financial advisor can provide personalised guidance accounting for your full financial picture.