FIRE Calculator
See your FIRE number, the age you can stop working and how much time saving a bit more would buy you, all in today’s money.
🔒 Everything is calculated in your browser. Your numbers never leave your device.
How it works
- Enter your age, what you have invested today and how much you save per year.
- Set a real return (after inflation) and the yearly spending you want in retirement.
- Choose a withdrawal rate. 4% is the classic rule of thumb; lower is more conservative.
- Read your FIRE number and years to go, then compare the faster scenario and the withdrawal rate table.
How the FIRE number works
Your FIRE number is the portfolio that can fund your spending indefinitely at a chosen withdrawal rate. It is simply yearly spending divided by that rate: $40,000 at 4% needs $1,000,000, while 3% needs about $1,333,000.
What drives the timeline
Time to FIRE depends mostly on the gap between what you spend and what you save, because spending sets the target and saving fills it. Returns matter, but a higher savings rate usually moves the date more than chasing a slightly better return.
Frequently asked questions
Is the 4% rule safe?
It comes from historical US data over 30-year periods. For retirements of 40 years or more, many people use 3.25% to 3.5% to be more conservative. The table shows the effect of each rate.
Why use a real return?
A real return is after inflation, so every number stays in today’s money and you do not need to forecast inflation separately. Five percent real is a common assumption for a stock-heavy portfolio, not a promise.
Does it include taxes, Social Security or pensions?
No. Treat spending as what you need from the portfolio after other income and taxes.
Is my data saved?
Your numbers stay in your browser only. Nothing is sent to a server.