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FIRE Calculator

Work out your FIRE number and how many years until you reach it, based on your own expenses, savings and expected returns.

Your details

The blended return on your savings and investments as they grow toward your FIRE number
The share of your portfolio you plan to draw down each year in retirement. 4% is the traditional "safe withdrawal rate," equivalent to a 25x expenses target

Your projection

Your FIRE number
Years until you reach it
At your current savings rate and return
Your FIRE age
The age you'd reach your FIRE number

How this is calculated

Your FIRE number is your annual expenses divided by your withdrawal rate. At the traditional 4% withdrawal rate, that works out to 25 times your annual expenses, the commonly cited "25x rule." A lower withdrawal rate produces a larger, more conservative FIRE number; a higher one produces a smaller, less conservative one.

Years to reach it is calculated with a month-by-month simulation of your current savings growing at your expected return, with your monthly contribution added at the end of each month, the same engine used in the compound interest calculator on this site.

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