FIRE Calculator: Plan Your Early Retirement
FIRE Number
$1,176,471 dollars
FIRE Age
54.1
Years to FIRE
24.1 yrs
What your result means
At your current inputs you reach your FIRE number of $1,176,471 dollars at 54.1, which is 9.1 yrs later than your target retirement age of 45. The levers below show what moves that date most.
$50,000 dollars saved of $1,176,471 dollars needed
What moves your date most
Each line changes one input from your current setup and shows the new FIRE age.
- Save 10% more each monthFIRE at 53.1 (1 yr sooner)
- Plan for 10% lower yearly spendingFIRE at 52.7 (1.4 yrs sooner)
- Assume 1 percentage point higher real returnFIRE at 52.1 (2 yrs sooner)
Sensitivity table: FIRE age
FIRE age for different real returns (rows) and monthly savings (columns). The highlighted cell is your current setup.
| Return \ Monthly savings | $750 | $1,125 | $1,500 | $1,875 | $2,250 |
|---|---|---|---|---|---|
| 4% | 70.8 | 64.2 | 59.6 | 56.2 | 53.5 |
| 5% | 65.6 | 60.3 | 56.5 | 53.7 | 51.4 |
| 6% | 61.7 | 57.3 | 54.1 | 51.7 | 49.8 |
| 7% | 58.5 | 54.8 | 52.1 | 50 | 48.3 |
| 8% | 56 | 52.8 | 50.5 | 48.7 | 47.2 |
A dash means the FIRE number is not reached within 60 years. Real return is after inflation.
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How to Use FIRE Calculator
- Free
- No sign-up
- Nothing stored on a server
- Available in 4 languages
- 1
Use the sliders on the left to set your current age (18-80) and target retirement age, your current investment portfolio, how much you save and invest each month, and your expected annual expenses in retirement. You can also fine-tune your expected real annual return (0-15%), safe withdrawal rate (2-6%), and effective tax rate in retirement (0-40%) to match your own investing style and tax situation. Choose from 5 currencies ($, €, £, ₩, ¥) to run the numbers in whichever unit makes sense for you.
- 2
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
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
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.
Pick your kind of FIRE
Coast, Barista, Lean and Fat FIRE each have their own target. Open the calculator that matches your plan.
Barista FIRE
See how part-time income shrinks the portfolio you need and how much sooner you can leave full-time work.
Coast FIRE
Find how much you need today to stop saving and still reach FIRE by retirement age.
Lean FIRE
Retire on a minimalist budget with a much smaller target.
Fat FIRE
Keep a comfortable lifestyle in early retirement and see the larger target.
Explore the Guides
Practical guides on FIRE savings, withdrawal strategy, and country-specific retirement accounts.
Working Part-Time or Consulting After Early Retirement
Why many FIRE retirees choose to keep earning something after hitting their number, and how to structure part-time work or consulting without undoing the retirement itself.
What to Do With Your First Big Chunk of Savings
The first $1,000 you save feels different from the monthly grind that got you there. Here's a practical way to think through where it should go next.
Getting the Most Out of Your Employer's Retirement Match
How employer retirement matching actually works, worked through with real salary numbers, so you don't leave free money on the table before you even start investing elsewhere.
401(k) vs Roth IRA for Early Retirees: Access Before 59½
How 401(k)s and Roth IRAs work in the US and how early retirees access money before 59½: the Roth conversion ladder, Rule 72(t) and taxable accounts.
Korea's IRP and Pension Savings Accounts for FIRE
How South Korea's IRP and pension savings accounts (yeongeum jeochuk) interact with an early retirement plan, including the age-55 access rule and early-withdrawal tax trade-offs.
Should You Pay Off Debt or Invest First?
Comparing a guaranteed interest-rate 'return' against an uncertain market return, using real numbers, so the decision stops feeling like a coin flip.
Frequently Asked Questions
A few common questions about the FIRE Calculator.
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.
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.
Is this financial advice?+
No. This tool is for educational and illustrative purposes only and does not constitute financial, tax, or investment advice. Please consult a licensed professional for advice specific to your situation.