FIRE calculator
Find your financial independence number, track your progress, and see exactly when you can retire early.
Your numbers
Your FIRE number (4% SWR)
$1,200,000.00
Progress: 4.2%$50,000.00 of $1,200,000.00
Time to FIRE
19y 8m
FI age
age 51 + 8m
Annual expenses
$48,000.00
FIRE income / mo
$4,000.00
Milestones
| Target | Amount | Time | Age |
|---|---|---|---|
| 25% FI | $300,000.00 | 7y 1m | age 39 + 1m |
| 50% FI | $600,000.00 | 12y 7m | age 44 + 7m |
| 75% FI | $900,000.00 | 16y 7m | age 48 + 7m |
| 100% FI | $1,200,000.00 | 19y 8m | age 51 + 8m |
What is FIRE?
Financial Independence, Retire Early (FIRE) is the goal of accumulating enough invested assets that portfolio returns cover your living expenses indefinitely. The most common target: 25× annual expenses (based on the 4% safe withdrawal rate). Variations include LeanFIRE (bare-bones budget), FatFIRE (comfortable lifestyle), and BaristaFIRE (part-time work to cover a gap).
Adjust the SWR slider to see how different risk tolerances change your number. A 3.5% SWR gives a 30× target — much larger but historically more resilient over 40+ year retirements.