Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.
Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.
Enter values above and click Calculate — results will appear here with the formula explained.
FIRE number is annual expenses divided by safe withdrawal rate (4% is classic). Years to FIRE solves future value of current savings plus yearly savings at return to reach FIRE number.
4% rule is from Trinity study (30-year retirement). Earlier retire may need 3.5%. This is simplified, ignoring taxes and sequence risk.
For YMYL, run 3.5% and 4% to see range, and confirm with fiduciary — this is educational, not financial advice.
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FIRE Calculator computes calculate fire number and years to financial independence from expenses, savings and return — see fire number and timeline. Formula: FIRE number = expenses / withdrawalRate. Example: With $40k expenses, 4% rule: FIRE $1M.
FIRE number is annual expenses divided by safe withdrawal rate (4% is classic). Years to FIRE solves future value of current savings plus yearly savings at return to reach FIRE number.
4% rule is from Trinity study (30-year retirement). Earlier retire may need 3.5%. This is simplified, ignoring taxes and sequence risk.
For YMYL, run 3.5% and 4% to see range, and confirm with fiduciary — this is educational, not financial advice.
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With $40k expenses, 4% rule: FIRE $1M. With $100k saved, $20k/year at 7%: about 18 years to FIRE.
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