FIRE Calculator

Financial Independence, Retire Early — find your "freedom number" and the age you could stop needing a paycheck.

Your age now

Money invested so far

Investing each month

Yearly spending you want in retirement

Expected return / yr

Inflation / yr

Safe withdrawal rate

Your FIRE number

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Years to freedom—

Age you're free—

Invested by then—

Growth earned—

"FIRE number" = the pot that can fund your spending forever at your withdrawal rate (the 4% rule ≈ 25× yearly spending). This uses real returns (return minus inflation), so it's in today's money. Estimates only, using constant assumptions — real markets vary and returns aren't guaranteed. Not financial advice.