FIRE Calculator
Financial Independence, Retire Early
Find out your FIRE number and how many years until you can achieve financial independence based on your savings rate and investment returns.
Your Details
30 yrs
18 yrs70 yrs
₵120.0K
₵0₵1.00M
₵60.0K
₵0₵1.00M
₵50.0K
₵0₵5.00M
7%
2%15%
4%
2%6%
FIRE Number
₵1,500,000
Years to FIRE
14 yrs
Retire At Age
44
Savings Rate
50.0%
Monthly Investment
₵5,000
Current Progress
3.3%
Progress to FIRE₵50,000 / ₵1,500,000
3.3% of your FIRE goal reached
Portfolio Growth Over Time
FIRE Tips
- FIRE Number = Annual Expenses / Safe Withdrawal Rate. This is the amount you need invested to live off your portfolio.
- A savings rate above 50% dramatically shortens your path to FIRE. Cutting expenses is often more impactful than increasing income.
- The 4% rule suggests withdrawing 4% of your portfolio annually in retirement. Adjust based on your risk tolerance and local inflation.
- Consider Coast FIRE (stop contributing once compound growth will carry you) or Barista FIRE (part-time work covers expenses while investments grow).
About This Tool
Find out when you can reach financial independence and retire early. Enter your income, expenses, savings rate, and investments to see your projected FIRE date and the portfolio size you need.
How to Use
- 1Enter your annual income and annual expenses.
- 2Set your current savings and expected investment return rate.
- 3See your FIRE number, projected date, and how changes in savings rate affect the timeline.
Why Use This?
The FIRE movement shows that retirement is not about age — it is about having enough invested to cover your expenses. Even if early retirement is not your goal, knowing your number gives you a target to work toward and helps you make better financial trade-offs.