FIRE Calculator
Calculate your FIRE number, find out when you can reach financial independence, and compare scenarios based on your savings, expenses, and investment returns.
Your Financial Details
Your age today
When you want to retire
Total in investment accounts
Your gross annual income
Your current annual spending
How much you save each year
Typical range: 5–10%
Long-term average: ~3%
Your estimated spending in retirement
Default: 4% (Trinity Study)
Your FIRE Number
$1,250,000
Based on $50,000/year and 4.0% withdrawal rate
Current Savings Rate
18.8%
You save $15,000 of $80,000 income
Portfolio at Retirement
$3,288,522
Projected at age 65
Can You Retire on Time?
Yes
Projected FIRE age: 53
Portfolio Growth Projection
Portfolio value and contributions over time
Scenario Comparison
How different return rates affect your projected retirement age:
Conservative (5%)
Age 58
Moderate (7%)
Age 53
Optimistic (9%)
Age 49
Portfolio growth under different return scenarios
Year-by-Year Projection
| Year | Age | Contributions | Interest | Balance |
|---|---|---|---|---|
| 0 | 30 | $0 | $7,000 | $107,000 |
| 1 | 31 | $15,000 | $15,015 | $130,015 |
| 2 | 32 | $15,000 | $24,641 | $154,641 |
| 3 | 33 | $15,000 | $35,991 | $180,991 |
| 4 | 34 | $15,000 | $49,185 | $209,185 |
| 5 | 35 | $15,000 | $64,353 | $239,353 |
| 6 | 36 | $15,000 | $81,633 | $271,633 |
| 7 | 37 | $15,000 | $101,172 | $306,172 |
| 8 | 38 | $15,000 | $123,129 | $343,129 |
| 9 | 39 | $15,000 | $147,673 | $382,673 |
How These Calculations Work
FIRE Number
FIRE Number = Annual Retirement Spending / Safe Withdrawal Rate
The core FIRE formula. If you spend $50,000/year in retirement and use a 4% safe withdrawal rate, your FIRE number is $1,250,000.
Annual Portfolio Growth
FV = Current Assets + Annual Contributions + (Balance + Contributions/2) * Return Rate
Each year, your portfolio grows by your contributions plus the return earned on the average balance during the year.
Savings Rate
Savings Rate = Annual Savings / Annual Income * 100%
The percentage of your income you save annually. Higher savings rates dramatically reduce your time to FIRE.
Frequently Asked Questions
Important Disclaimer
This calculator is for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may differ from actual outcomes. Past performance does not guarantee future results. Consult a qualified financial professional before making investment decisions.