FIRE Calculator - Financial Independence, Retire Early Planner
Calculate your exact FIRE number and countdown to early retirement. Model leanFIRE, fatFIRE, and safe withdrawal rates across timelines.
Target FIRE Number (Portfolio Goal)
Time to Financial Independence
Projected Early Retirement Age
Tiered FIRE Milestones
Frequently Asked Questions
What is the FIRE movement and what does it mean?
FIRE stands for Financial Independence, Retire Early. It is a financial framework where individuals maximize their savings rate (often 40%–70% of income) and invest in low-cost index funds until their portfolio generates enough passive income to cover their living expenses forever.
What is the 4% Safe Withdrawal Rule?
Originating from the landmark Trinity Study, the 4% rule states that you can withdraw 4% of your starting investment portfolio each year (adjusted annually for inflation) with a 95%+ probability that your portfolio will never run out of money over a 30-year retirement.
How is your FIRE Number calculated?
Your FIRE number is your annual living expenses multiplied by 25 (under a 4% rule) or multiplied by 33 (under a conservative 3% rule). For example, if you live comfortably on $60,000 per year, your FIRE number is $1,500,000.
What is the difference between Lean FIRE, Standard FIRE, and Fat FIRE?
Lean FIRE focuses on covering strictly essential, minimalist expenses (typically under $40,000/year). Standard FIRE maintains a comfortable middle-class lifestyle ($50,000–$100,000/year). Fat FIRE accounts for abundant luxury spending ($120,000+/year) without financial restraint.