FIRE Calculator
Currency
30
45
50,000$
1,500$
40,000$
6%
4%
15%

FIRE Number

$1,176,471 dollars

FIRE Age

54.1

Years to FIRE

24.1 yrs

Coast FIRELean FIRE

Ready to invest? Compare top brokerages

Interactive BrokerseToroWise

Affiliate links — we may earn a commission at no extra cost to you. Links will activate once partner programs are approved.

How to Use FIRE Calculator

  • Free
  • No sign-up
  • Nothing stored on a server
  • Available in 4 languages
  1. 1

    Use the sliders on the left to set your current age (18-80) and target retirement age, your current investment portfolio, how much you save and invest each month, and your expected annual expenses in retirement. You can also fine-tune your expected real annual return (0-15%), safe withdrawal rate (2-6%), and effective tax rate in retirement (0-40%) to match your own investing style and tax situation. Choose from 5 currencies ($, €, £, ₩, ¥) to run the numbers in whichever unit makes sense for you.

  2. 2

    As soon as you change an input, the result cards on the right instantly recalculate your FIRE number, the age you'll reach it, and the years remaining. The chart below separates the accumulation phase, while you're still saving, from the withdrawal phase, after you retire, using different colors, so you can see at a glance how your portfolio grows and then gets drawn down.

  3. 3

    Turn on "Scenario A/B comparison" to enter two different saving strategies at once, for example a higher monthly contribution or a different target age, and see both paths plotted side by side on the chart and result cards. This makes it easy to see exactly how much sooner a small increase in savings could get you to FIRE, or how much a later target age would ease your monthly savings burden.

  4. 4

    All calculations run instantly in your own browser, and nothing you enter, your age, assets, or income, is ever stored or sent to a server. Your FIRE number also isn't just annual expenses divided by the withdrawal rate: it's grossed up for the effective tax rate you set, so with the tax rate at 0% you'll see the classic "25x rule," and with a higher rate you'll see the larger target you'd actually need.

Explore the Guides

Practical guides on FIRE savings, withdrawal strategy, and country-specific retirement accounts.

Browse all guides →

Frequently Asked Questions

A few common questions about the FIRE Calculator.

What is FIRE?+

FIRE stands for Financial Independence, Retire Early. It's the practice of aggressively saving and investing so your portfolio can cover your living expenses well before traditional retirement age.

Do I need to create an account to use this calculator?+

No. The FIRE Calculator works entirely in your browser without sign-up — your inputs are not saved or sent to a server.

Can I compare two different savings scenarios?+

Yes. Use the Scenario A / B compare mode to adjust savings rate, returns, or expenses side by side and see how each path affects your FIRE date.

Which currencies are supported?+

You can switch the currency from the selector at the top of the calculator; the input ranges automatically rescale to match the selected currency.

How is my FIRE number calculated?+

Your FIRE number is your annual expenses divided by your chosen withdrawal rate (commonly 4%, i.e. multiplied by 25), then grossed up for the effective tax rate you set on withdrawals — a higher tax rate raises the target, since you need to withdraw more to keep the same after-tax spending power. With the tax rate set to 0%, this is simply expenses × 25. The calculator projects your savings growth year by year until that number is reached.

See all FAQs →