FIRE Calculator
Calculate your path to Financial Independence, Retire Early
Calculate Your FIRE Journey
Your current age in years
Your total yearly living expenses
Total invested assets today
Amount saved & invested annually
Expected portfolio growth rate
Annual withdrawal rate (4% rule)
Average annual inflation
25x annual expenses | Standard 4% withdrawal rate
Additional Options
Your FIRE Journey Results
Monthly Budget
Portfolio at FIRE
The 4% Rule: Your FIRE number is calculated so you can withdraw 4.0%($40,000/year) indefinitely without depleting your portfolio.
Real Return: After 3.0% inflation, your real return is approximately 4.0%.
FIRE Analysis & Insights
FIRE Example: The Classic Path
Scenario: Regular FIRE
Age: 30 years old
Annual Expenses: $40,000
Current Savings: $50,000
Annual Savings: $20,000 (33% savings rate)
Expected Return: 7% (historical stock market average)
Withdrawal Rate: 4% (Trinity Study safe withdrawal rate)
Results
FIRE Number: $1,000,000 (25x annual expenses)
Years to FIRE: ~28 years
FIRE Age: 58 years old
Annual FIRE Income: $40,000 (4% of $1M)
Total Contributions: ~$610,000
Investment Growth: ~$390,000
Retire 7 years before traditional retirement age with financial freedom!
Journey to FIRE
| Age | Portfolio | Progress |
|---|---|---|
| 31 | $74,900 | 7% |
| 32 | $101,543 | 10% |
| 33 | $130,051 | 13% |
| 34 | $160,555 | 16% |
| 35 | $193,193 | 19% |
| 36 | $228,117 | 23% |
| 37 | $265,485 | 27% |
| 38 | $305,469 | 31% |
| 39 | $348,252 | 35% |
| 40 | $394,030 | 39% |
| 41 | $443,012 | 44% |
| 42 | $495,422 | 50% |
| 43 | $551,502 | 55% |
| 44 | $611,507 | 61% |
| 45 | $675,713 | 68% |
| 46 | $744,413 | 74% |
| 47 | $817,921 | 82% |
| 48 | $896,576 | 90% |
| 49 | $980,736 | 98% |
| 50 | $1,070,788 | ✓ FIRE! |
Savings Rate Impact
Higher savings rate dramatically reduces time to FIRE. Every 1% increase matters!
FIRE Success Tips
Maximize savings rate - it's the #1 factor
Invest in low-cost index funds for long-term growth
Track expenses and optimize your lifestyle
Consider geographic arbitrage (lower COL areas)
Build multiple income streams
Account for healthcare costs in your plan
Understanding FIRE (Financial Independence, Retire Early)
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to enable retirement much earlier than traditional retirement planning allows.
Types of FIRE
- •Lean FIRE: Minimal expenses, frugal lifestyle (20x expenses)
- •Regular FIRE: Standard 4% withdrawal rate (25x expenses)
- •Fat FIRE: Comfortable lifestyle with buffer (30x+ expenses)
- •Barista FIRE: Partial retirement with part-time income
- •Coast FIRE: Stop saving, let investments grow to traditional retirement
The 4% Rule
The 4% rule states you can withdraw 4% of your portfolio annually (adjusted for inflation) with a high probability it will last 30+ years.
FIRE Number = Annual Expenses ÷ 0.04
Or simply: 25x your annual expenses
Key Formulas
FIRE Number: Annual Expenses × 25
Savings Rate: Annual Savings ÷ Annual Income
Real Return: Nominal Return - Inflation
Annual Withdrawal: Portfolio × Withdrawal Rate
The Trinity Study
The 4% rule is based on the Trinity Study, which analyzed historical stock and bond returns from 1926-1995. It found that a portfolio of 50-75% stocks with a 4% initial withdrawal rate (adjusted annually for inflation) had a 95-100% success rate over 30-year periods.
Savings Rate Impact on Years to FIRE
| Savings Rate | Years to FIRE | Example |
|---|---|---|
| 10% | 51 years | $5K saved, $50K income |
| 25% | 32 years | $15K saved, $60K income |
| 50% | 17 years | $35K saved, $70K income |
| 75% | 7 years | $60K saved, $80K income |
Assumes 5% real return (7% nominal - 2% inflation). Starting from $0 savings.
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