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Calculate your path to financial independence. Enter your income, expenses, current savings, and expected returns to see when you can retire early.
Calculate when you can reach financial independence and retire early — no signup, no ads. Enter your after-tax income, monthly expenses, current savings, and expected investment returns. See your FIRE number, savings rate, years to FIRE, and projected retirement date. Everything runs in your browser — no data stored.
Your FIRE number is your annual expenses divided by your safe withdrawal rate (typically 4%). If you spend $40,000/year, your FIRE number is $1,000,000. Once your investments reach that amount, you can live off withdrawals indefinitely.
The 4% rule comes from the Trinity Study. Withdrawing 4% of your portfolio in year one (then adjusting for inflation) has historically survived 30+ year retirements about 95% of the time. Some use 3.5% for extra safety.
Savings rate = (Income - Expenses) / Income x 100. Higher savings rates dramatically reduce your time to FIRE. At 50% savings rate, you can retire in roughly 17 years. At 75%, roughly 7 years.
Lean FIRE: retiring on $20-40K/year. Regular FIRE: $40-60K/year. Fat FIRE: $100K+/year. Coast FIRE: saving enough early that compound growth covers retirement without further contributions.