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FIRE calculator (financial independence)

Your FIRE number is the pot that funds your spending forever at a safe withdrawal rate — annual expenses ÷ SWR (4% → 25×). From your savings, income and expected return it estimates the years, and age, at which you reach it.

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The FIRE calculator (financial independence) turns Current age, Annual income (after tax), Monthly expenses, Current savings, Expected return (%), Safe withdrawal rate (%) into FIRE number, Annual savings, Years to FIRE, Age at FIRE, instantly and for free. For instance, with Current age = 30, Annual income (after tax) = $85,000.00, Monthly expenses = $3,000.00, Current savings = $60,000.00, Expected return (%) = 7 and Safe withdrawal rate (%) = 4 it returns FIRE number = $900,000.00, Annual savings = $49,000.00 and Years to FIRE = 11.003.

How to use it

  1. Enter your values: Current age, Annual income (after tax), Monthly expenses, Current savings, Expected return (%), Safe withdrawal rate (%).
  2. Read the result instantly: FIRE number, Annual savings, Years to FIRE, Age at FIRE.

Frequently asked questions

What does the FIRE calculator (financial independence) actually compute?

It takes Current age, Annual income (after tax), Monthly expenses, Current savings, Expected return (%) and Safe withdrawal rate (%) and derives FIRE number, Annual savings, Years to FIRE and Age at FIRE from them. The calculation is live as you type, so the result updates on every change.

What information do I need to provide?

6 values: Current age, Annual income (after tax) ($), Monthly expenses ($), Current savings ($), Expected return (%) and Safe withdrawal rate (%). Nothing else is required — no account, no file upload.

Can you show a worked example?

With Current age = 30, Annual income (after tax) = $85,000.00, Monthly expenses = $3,000.00, Current savings = $60,000.00, Expected return (%) = 7 and Safe withdrawal rate (%) = 4, the calculator returns FIRE number = $900,000.00, Annual savings = $49,000.00 and Years to FIRE = 11.003. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

What happens if I enter larger values?

It moves a lot. Using Current age = 60, Annual income (after tax) = $93,500.00, Monthly expenses = $6,000.00, Current savings = $120,000.00, Expected return (%) = 14 and Safe withdrawal rate (%) = 4.4 instead, FIRE number goes from $900,000.00 to $1,636,363.64 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Current age = 15, Annual income (after tax) = $76,500.00, Monthly expenses = $1,500.00, Current savings = $30,000.00, Expected return (%) = 3.5 and Safe withdrawal rate (%) = 3.6, FIRE number comes out at $500,000.00. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Checking whether the pot is on track, testing how long it lasts at a chosen withdrawal rate, and seeing what a few more years of contributions change.

What is the most common mistake?

Assuming an average return arrives evenly. A poor decade at the start of drawdown does far more damage than the same decade at the end, even when the average is identical.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the FIRE calculator (financial independence) and the FIRE number calculator?

Both return FIRE number. What differs is what they ask for: this one wants Current age and Annual income (after tax), the FIRE number calculator wants Annual expenses. Use whichever matches the numbers you already have.

Is there a tool for the next step?

Retirement withdrawal calculator (4% rule) is the closest one after this: Estimate the yearly and monthly income your retirement savings can provide.

Further reading

All guides →
ExplainerThe 4 Percent Rule Is a Result From One Country and One CenturyThe rule is the output of a named backtest on US data. Its inversion, 1 ÷ w, gives the multiple: 25× at 4 percent, 33.3× at 3 percent. And two paths with the same 4.7676 percent geometric mean end one at zero and one at $2,031,661.ExplainerThe Three Brackets That Set Your Social Security CheckThe benefit is 90 percent of the first slice of your indexed career average, 32 percent of the next and 15 percent of the rest — 1,286 and 7,749 dollars are the 2026 bend points. Then age adjusts it: claiming at 62 with a full retirement age of 67 cuts it 30 percent, waiting to 70 adds 24.ExplainerThe 4 Percent Rule: What It Actually ClaimsSpending $40,000 a year needs $1,000,000 at 4 percent and $1,333,333 at 3 percent. Where the number came from, what it measured, and the four objections that matter.ExplainerWhat an Investment Return Number Is Not Telling YouA fund can return 9.49 percent a year while its investor earns −1.77 percent. Time-weighted versus money-weighted, nominal versus real, gross versus net — four questions inside one number, separated with arithmetic.ExplainerWhat Is Your FIRE Number? The 25× Rule ExplainedYour FIRE number is the nest egg that funds financial independence. Learn the 25× rule, the 4% safe-withdrawal rate, and Coast, Lean and Fat FIRE variants.ComparisonLife Assurance or a Pension Plan: the Lock-Up Decides, Not the Tax BreakScore both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.