FIRE Movement Calculator
Powerful, free, and easy to use
FIRE Movement Early Retirement Calculator
Calculate when you can achieve Financial Independence and Retire Early (FIRE)
FIRE Principles
- • Save 50%+ of your income
- • Invest in low-cost index funds
- • Live below your means
- • Build multiple income streams
About the FIRE Movement Calculator Calculator
The FIRE calculator estimates when you can achieve Financial Independence and Retire Early based on your savings rate, investment returns, and annual expenses. It applies the 4% safe withdrawal rule and similar frameworks used by the FIRE community. The tool is designed for people who want to leave the workforce well before the traditional retirement age.
How to Use
Input your current annual income, annual expenses, existing savings, and expected investment return. The calculator determines your savings rate and projects the year your investment portfolio can sustain your living expenses indefinitely. It also shows your FIRE number, which is the total portfolio value needed. Experiment with reducing expenses or increasing income to see how dramatically the savings rate affects your timeline to financial independence.