FIRE Calculator
Estimate when your investments can support your spending without work income — your FIRE number and years to financial independence.
Your plan
Calculations run in your browser. Inputs are not stored.
How much you save and invest each year.
What you expect to spend each year once retired.
Illustrative assumptions only. Adjust the rate for your own model.
Leave blank to hide the estimated FI age.
0 years to FI
Show yearly breakdown
| Year | Contributions | Portfolio | FIRE target |
|---|
How this calculation works
The FIRE number
Your FIRE number is the portfolio you need to fund retirement without touching the principal:
At a 4% withdrawal rate, that's 25× your annual spending. For $45,000 a year, you need $1,125,000.
How we estimate years to FI
We simulate month by month: your current portfolio grows at the annual return (compounded monthly) and receives your annual contribution spread over 12 months. We count months until the balance reaches your FIRE number.
Assumptions
- Contributions are invested at the end of each month; returns compound monthly at a constant annual rate.
- Spending in retirement stays constant in nominal terms (not inflation-adjusted here).
- Results are pre-tax and ignore fees, commissions and changes in spending.
- No market volatility is modeled.
- Results are hypothetical and for education only — not financial advice.
Educational purposes only. Not financial advice. See the full methodology and disclaimer.