🔥FIRE Calculator
Calculate your path to Financial Independence and Retire Early. Find your FIRE number and track your progress.
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FIRE Goals
Understanding FIRE
What is FIRE?
FIRE (Financial Independence, Retire Early) is a movement focused on extreme savings and investment to retire much earlier than traditional retirement age.
The 4% Rule
The 4% safe withdrawal rate suggests you can withdraw 4% of your portfolio annually with low risk of running out of money over 30 years.
FIRE Number Formula
FIRE Number = Annual Expenses ÷ Withdrawal Rate. With 4% withdrawal, you need 25x your annual expenses.
Coast FIRE
Coast FIRE means having enough invested that compound growth alone will fund your retirement by age 65, without additional contributions.
Savings Rate Impact
A 50% savings rate can lead to FIRE in ~17 years. A 75% rate can achieve it in ~7 years. The higher your savings rate, the faster you reach FIRE.