The FIRE Calculator (Financial Independence, Retire Early) tells you your FIRE number — the total savings needed to retire — and exactly when you'll reach it based on your income, spending, savings rate and expected investment returns.
Frequently Asked Questions
What is FIRE?
Financial Independence, Retire Early — a movement based on saving and investing aggressively to reach financial independence years or decades before traditional retirement age.
What is the 4% rule?
The guideline that you can safely withdraw 4% of your portfolio per year in retirement without running out of money. So if you spend $40,000/year, you need $1,000,000 saved.
What is my FIRE number?
Your annual expenses × 25. This comes from the 4% rule — a portfolio 25x your spending can sustain you indefinitely with historical market returns.
What savings rate do I need to retire early?
Saving 10% might take 40+ years. Saving 50% gets you there in about 17 years. 70%+ and you could retire in under 10 years. The savings rate is the biggest lever.