FIRE Calculator

Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.

FIRE Calculator

Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.

Annual expenses($)

Current savings($)

Yearly savings($)

Annual return(%)

Withdrawal rate(%)

Enter values above and click Calculate — results will appear here with the formula explained.

FIRE number = expenses / withdrawalRate; Years via FV with contributions

How does this work?

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.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

728×90 — AdSense

Disclaimer: Results are estimates for informational purposes only and do not constitute professional financial advice. Consult a qualified professional for decisions.

What is FIRE?

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. Formula: FIRE number = expenses / withdrawalRate; Years via FV with contributions

Quick Answer

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.

What it does: Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.
Formula: FIRE number = expenses / withdrawalRate; Years via FV with contributions
Inputs: Annual expenses ($) · Current savings ($) · Yearly savings ($) · Annual return (%) · Withdrawal rate (%)
Example: With $40k expenses, 4% rule: FIRE $1M.

Calculator Inputs at a Glance

Field	What to enter
Annual expenses ($)	e.g. 40000
Current savings ($)	e.g. 100000
Yearly savings ($)	e.g. 20000
Annual return (%)	e.g. 7
Withdrawal rate (%)	e.g. 4

All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.

How to Use This Calculator

1Enter annual expenses, current savings, yearly savings, return and withdrawal rate.
2Calculate to see FIRE number and years to FI.
3Lower expenses or increase savings to cut years dramatically.

Formula Used

FIRE number = expenses / withdrawalRate; Years via FV with contributions

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.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

728×90 — AdSense

Worked Example

With $40k expenses, 4% rule: FIRE $1M. With $100k saved, $20k/year at 7%: about 18 years to FIRE.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

728×90 — AdSense

Related Calculators

Retirement Calculator

Estimate retirement savings: project future balance from current savings, monthly contributions, expected return and years to retirement.

Savings Goal Calculator

Calculate monthly savings needed to reach goal: enter target amount, years, current savings and rate to see monthly deposit.

Compound Interest Calculator

See how a lump sum grows with compounding — plus optional regular contributions.

Coast FIRE Calculator

Calculate Coast FIRE: already saved enough to retire at 65 without more savings — see Coast number and years to coast.

Frequently Asked Questions

QWhat is 4% rule?

Withdraw 4% of initial balance yearly, inflation-adjusted, lasts 30 years historically for 50/50 portfolio.

QLean vs Fat FIRE?

Lean $1M, Fat $2.5M+ — depends on expenses.

QBarista FIRE?

Semi-retire with part-time to cover expenses while savings grow.

Quick Answer

What it does: Calculate FIRE number and years to financial independence from expenses, savings and return — see FIRE number and timeline.

Formula: FIRE number = expenses / withdrawalRate; Years via FV with contributions

Inputs: Annual expenses ($) · Current savings ($) · Yearly savings ($) · Annual return (%) · Withdrawal rate (%)

Example: With $40k expenses, 4% rule: FIRE $1M.

Field

What to enter

Annual expenses ($)

e.g. 40000

Current savings ($)

e.g. 100000

Yearly savings ($)

e.g. 20000

Annual return (%)

e.g. 7

Withdrawal rate (%)

e.g. 4

Formula Used

FIRE number = expenses / withdrawalRate; Years via FV with contributions

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.