FIRE Calculator

Calculate your Financial Independence, Retire Early number and how long until you reach it

FIRE Number
$1.5M
4% withdrawal rate
Years to FIRE
21 yrs
FIRE age: 51
Monthly Income
$5,000
from portfolio withdrawals
Progress
3.3%
Your Details
30 yrs
yrs
$50K
$60,000
$24,000
8%
%
4%
%
FIRE Summary
FIRE number$1,500,000
Current portfolio$50,000
Gap to FIRE$1,450,000
FIRE age51
Annual retirement income$60,000
Monthly retirement income$5,000
Savings rate (annual)28.6%
Portfolio vs FIRE Number
Portfolio Growth
FIRE Target
FIRE Variants
Lean FIRE
Frugal lifestyle, lower expenses (<$40K/yr). Requires a smaller portfolio but less spending flexibility.
$1.0M
at 33% lower expenses
Regular FIRE
Your current expense level. The standard 4% withdrawal target for financial independence.
$1.5M
your FIRE number
Fat FIRE
Comfortable lifestyle with higher spending (>$100K/yr). More buffer and lifestyle flexibility.
$2.3M
at 50% higher expenses