FIRE โ Smart Financial Analysis
Calculate your path to Financial Independence, Retire Early. Your FIRE number is annual expenses ร 25. At 50% savings rate, reach FIRE in ~17 years.
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Your FIRE number is your annual expenses multiplied by 25 (the 4% rule). At a 50% savings rate, you reach FIRE in ~17 years regardless of income. Traditional retirement assumes working until 65 with Social Security. Lean FIRE targets $25K-$40K annual expenses (~$600K portfolio).
Ready to run the numbers?
Why: Your FIRE number is your annual expenses multiplied by 25 (the 4% rule). For example, $50,000 in annual expenses requires $1.25M. This portfolio generates ~4% annually to cover ...
How: Enter Current Age, Current Net Worth ($), Monthly Income ($) to get instant results. Try the preset examples to see how different scenarios affect the outcome, then adjust to match your situation.
Run the calculator when you are ready.
Sample FIRE Scenarios โ Click to Load
Your FIRE Plan
Portfolio Growth to FIRE
Savings Rate vs Years to FIRE
FIRE Types Comparison
Spending vs Passive Income
FIRE Variants
For educational purposes only โ not financial advice. Consult a qualified advisor before making decisions.
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FIRE analysis is used by millions of people worldwide to make better financial decisions.
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Globally, only 33% of adults are financially literate, making tools like this essential.
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What is FIRE?
FIRE (Financial Independence, Retire Early) starts with one number: your annual expenses ร 25. That is your FIRE number โ the portfolio that generates 4% annually to cover your life forever. At a 50% savings rate, you reach FIRE in 17 years regardless of income. The r/financialindependence subreddit has 2M+ members. MMM retired at 30 with $600K. This calculator maps your personal FIRE timeline.
Types of FIRE
Lean FIRE ($25K-$40K/yr) targets minimal expenses. Traditional FIRE uses the 4% rule. Fat FIRE ($100K+) supports luxury. Barista FIRE combines a smaller portfolio with part-time work. Coast FIRE means you stop contributing and let existing investments grow to your target.
The 25x Rule
FIRE Number = Annual Expenses ร 25. This comes from the 4% safe withdrawal rate: 1 รท 0.04 = 25. The Trinity Study showed 4% had a high success rate over 30-year retirements.
Savings Rate vs Years to FIRE
25% savings โ ~32 years. 50% โ ~17 years. 70% โ ~8.5 years. Your savings rate matters more than your income for FIRE timeline.
4% Safe Withdrawal Rate
Withdraw 4% of your portfolio annually. For 40+ year retirements, many use 3.5%. Early Retirement Now (ERN) provides dynamic strategies for longer horizons.
Coast FIRE
Invest enough early so it grows to your FIRE number by retirement age without further contributions. Example: $300K at 30 at 7% grows to ~$2.4M at 60. You can stop saving and let it compound โ hence "coast."
Barista FIRE
Partial independence: smaller portfolio plus part-time work (e.g., barista, freelancing) to cover expenses and maintain benefits like health insurance.
Withdrawal Strategies
Fixed 4%, dynamic (adjust based on portfolio), bond tent (reduce equity early), and variable percentage. Sequence-of-returns risk is highest in the first decade.
Common FIRE Mistakes
Underestimating healthcare, ignoring inflation, over-optimistic returns, lifestyle creep. Plan for 6-7% real returns and 2-3% inflation.
Getting Started
Track spending, calculate your FIRE number, increase savings rate, invest in low-cost index funds. Maximize tax-advantaged accounts (401k, IRA, HSA) first.
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