Skip to main content
Calculator Hub

FIRE Calculator

Calculate your FIRE number and how many years until you reach financial independence.

Details

4% is the traditional 'safe withdrawal rate' assumption.

Enter your numbers and select Calculate to see results.

About This Calculator

FIRE (Financial Independence, Retire Early) uses the concept of a 'FIRE number' — typically 25x your annual expenses, based on a 4% safe withdrawal rate — as the savings target for full financial independence. This calculator computes your FIRE number and estimates how many years it will take to reach it based on your current savings, contributions, and expected return.

How This Is Calculated

FIRE Number = Annual Expenses ÷ Withdrawal Rate

$48,000 in annual expenses at a 4% withdrawal rate gives a FIRE number of $1,200,000 — the traditional '25x expenses' rule.

Assumptions

  • The 4% rule is based on historical U.S. market research (the 'Trinity Study') and isn't guaranteed to hold for all future market conditions.
  • Assumes a constant contribution rate and investment return until reaching the FIRE number.
  • Does not account for Social Security, part-time income, or major life changes.

Frequently Asked Questions

It's the investment portfolio size needed to sustain your living expenses indefinitely using a safe withdrawal rate, most commonly 4% (i.e., 25x your annual expenses). Once your savings reach this number, you're considered 'financially independent.'

Related Calculators

Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.