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FIRE Calculator

How much do you need? How long will it take? Enter your numbers and find out.

Your situation

Annual expenses ($)

What you spend per year in retirement

Current savings / investments ($)

Annual savings ($)

What you add to investments per year

Expected annual return (%)

7% is a common real return estimate for index funds

Withdrawal rate (%)

The 4% rule is standard. Conservative = 3.5%

FIRE number

$1,500,000

The portfolio size that funds your lifestyle forever

Years to FIRE

22 years

At your current savings rate and return assumptions

Monthly savings needed $2,500

Savings rate —

FIRE year (est.) —

This calculator assumes inflation-adjusted returns. Results are estimates, not guarantees. Not financial advice.