"FIRE" = Financial Independence, Retire Early. Enter your income, savings rate, and target lifestyle. See exactly how much you need, and when you'll get there.

👤 Where You Are Today

Current age

Current retirement savings ($)

Annual gross income ($)

Current savings rate (% of gross)

Expected market return (% / year)

🎯 Your Retirement Target

Desired annual spend in retirement ($)

Safe withdrawal rate (% / year)

Expected inflation (% / year)

Social Security / pension you'll get ($ / year, in today's dollars)

Life expectancy (age)

Your FIRE Blueprint

Your FIRE Number

Retirement Age

Years Until Retirement

You Currently Save / Year

Portfolio at Retirement

Safe Monthly Income

💡 What if you changed your savings rate?

⚠️ Illustrative only. The 4% rule (Trinity Study) assumes a 30-year horizon and a 50/50 stock/bond portfolio. Sequence-of-returns risk, tax treatment (Roth vs Traditional), health insurance costs before 65, and market drawdowns aren't modeled here. Reviewed by FinanceHub Editorial Team

How this calculator works

FIRE math is deceptively simple: divide your desired annual spending by your safe withdrawal rate. If you want $60,000/year and use 4%, you need $1,500,000 invested. That's your FIRE number.

What most calculators miss: your savings rate matters far more than your investment return. Doubling your savings rate cuts your working years roughly in half — you accumulate faster AND you need less because your baseline spending is lower. This tool shows both effects.

FIRE Retirement Calculator — Your Number, Your Year

👤 Where You Are Today

🎯 Your Retirement Target

Your FIRE Blueprint

💡 What if you changed your savings rate?

How this calculator works

Learn more