FIRE Calculator · 2026

Financial Independence Calculator

FIRE means "Financial Independence, Retire Early": having enough invested that you can live off it. Enter what you spend, what you have saved, and what you save each year to see your target number and how many years it will take.

Your FIRE Details
$
$60k
Everything you spend in a year, in today's dollars. This is what your investments will need to cover.
$
$120k
$
$30k
%
Average growth of your investments before inflation. An assumption, not a promise.
%
How fast prices rise. The calculator subtracts it from your return so every number stays in today's dollars.
%
The share of your investments you take out each year. 4% is the common rule of thumb: it means you need 25 times your yearly spending.
Results
Years to financial independence
0 years
Your FIRE number
$0
Monthly income at FIRE
$0
Savings rate
0%
Return after inflation
0%
Progress to your FIRE number0%

All amounts are in today's dollars. Your savings grow at the return after inflation, and the amount you save each year is assumed to rise with prices. Savings rate is what you save divided by what you save plus what you spend. Taxes on withdrawals are not included.