FIRE Calculator — Financial Independence Retire Early

Enter current savings, annual expenses, income, and investment return to see your FI number, years to FIRE, and savings rate.

—FI number
—Years to FIRE
—Savings rate

How to use

  1. Enter your current savings and annual living expenses.
  2. Add annual income and expected investment return rate.
  3. See your FI number, years to financial independence, and savings rate.

Frequently asked questions

What is the 4% rule?

A guideline that you can withdraw 4% of your portfolio annually in retirement. Your FI number is 25× annual expenses.

How is years to FIRE calculated?

The calculator projects portfolio growth from savings and investment returns until it reaches 25× your annual expenses.

What savings rate should I target?

Higher savings rates dramatically shorten time to FI. Even 20–30% is a strong start for most earners.

Is my data sent to a server?

No. All calculations happen in your browser.

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