← Blogby Marcell Almeida

How to calculate years to financial independence (FIRE)

Enter savings, annual expenses, income, and savings rate — see years until you can retire on the 4% rule.

Financial Independence, Retire Early (FIRE) boils down to one question: when can your portfolio cover annual spending? The FIRE Calculator projects years to reach your target using savings rate and the 4% withdrawal rule.

Try it — enter savings, expenses, and savings rate

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How it works

  1. Current savings — invested assets today.
  2. Annual expenses — what you need per year in retirement.
  3. Income & savings rate — how much you add each year.

The 4% rule

A common FIRE target is 25× annual expenses (4% safe withdrawal rate). Once savings reach that number, many planners treat the portfolio as self-sustaining — though your risk tolerance may differ.

Inflation and returns

This calculator uses a single expected return assumption. For purchasing power over decades, pair it with the Inflation Calculator.

The How to calculate years to financial independence (FIRE) is free, runs locally, and never sends your data to a server. More finance calculators at maratool.com.