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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English Herramientas

Calculadora de jubilación FIRE

Calcula tu número FIRE, tasa de ahorro y edad de jubilación proyectada con la regla del 4% y crecimiento compuesto.

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

Cómo funciona

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.

Preguntas frecuentes

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Aviso legalLos resultados de esta calculadora son estimaciones con fines informativos únicamente. No constituyen asesoramiento financiero, legal o profesional. Consulte a un profesional calificado para sus necesidades específicas.