FIRE Calculator

How much is enough, and how long until you get there?

Your plan

Yearly spending in retirement ($)

Safe withdrawal rate (%)

4% is the classic rule of thumb.

Invested so far ($)

Invested each year ($)

Real return (% a year)

After inflation.

Your age (optional)

Retire at (optional)

Enter your numbers to find your financial independence target.

Error

Enter your spending, savings and expected return.

Your FI Number

Divide your yearly spending by a safe withdrawal rate to see the portfolio that could support you indefinitely.

Years to Get There

See how long your savings and yearly investing take to reach the target, and the age you will be.

Coast FIRE

Find the amount that would grow to your FI number by retirement age with no further saving.

Full Privacy

Your numbers never leave your browser.

The 4% Rule and Your FI Number

The FIRE idea is to build a portfolio large enough that withdrawing a fixed percentage each year covers your spending. At a 4% withdrawal rate the target is 25 times your yearly spending: $40,000 a year needs $1,000,000. A lower rate, such as 3.5%, is more cautious and raises the target to about $1.14 million for the same spending.

The 4% figure comes from historical US market studies and is a guideline, not a guarantee; longer retirements, lower expected returns and market crashes early on can all call for a lower rate. Use a real return, meaning after inflation, so that everything stays in today's money. Contributions are added at the end of each year. Coast FIRE is the balance today that would compound to your FI number by retirement age even if you stopped saving.

Key Takeaways

Honest timing: Shows the exact time and the year in which the balance actually crosses the target.
Retirement check: With ages entered, see whether you are on track and by how much you fall short.
Illustration only: Projections are not guarantees or financial advice.

FIRE Calculator - Financial Independence Number, Years to FI & Coast FIRE