A guideline that you can withdraw 4% of your portfolio in year one of retirement, adjusted for inflation, with low risk of running out over 30 years.

What savings rate do I need for FIRE?

Higher savings rates dramatically shorten timelines. Saving 50%+ of income can enable FIRE in roughly 15–20 years depending on returns.

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FIRE Retirement Calculator

Calculate your FIRE number, savings rate, and projected retirement age. Instantly see years to financial independence using the 4% rule and compound growth.

Your FIRE Plan

Enter age, savings, income, and expenses to project your path to financial independence.

Current Age

Expected Return

Current Portfolio

Annual Income

Annual Expenses

Monthly Investment

Savings rate: 40.0% · FIRE target: $1,350,000

FIRE Projection

Based on the 4% safe withdrawal rule.

On Track

FIRE Number$1,350,000

Savings Rate40.0%

Progress to FIRE number6.3%

Savings rate vs. 50% FIRE benchmark40.0%

FIRE Age16 yrs 4 mo to go · $4,500.00/mo withdrawal

How It Works

FIRE number = annual expenses × 25 (based on the 4% withdrawal rule). Savings rate and investment returns determine years until your portfolio reaches that target. Coast FIRE is the amount needed today so it grows to your full FIRE number by a target age without further contributions.

Frequently Asked Questions

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DisclaimerThe results provided by this calculator are estimates and for informational purposes only. They do not constitute financial, legal, or professional advice. Please consult with a qualified professional for your specific needs.