FIRE Calculator
Enter your annual spending, how much you save each month, your expected return, and a safe withdrawal rate to see the target portfolio you need for financial independence (FIRE) — and how long it takes to get there.
How it works
Your FIRE number is annual spending ÷ safe withdrawal rate. The 4% withdrawal rate is a widely used rule of thumb — the idea that you can draw 4% of your target each year and the portfolio should last. The time to reach it grows your current portfolio plus monthly savings with monthly compounding until it hits the target. Return and withdrawal rates are assumptions, not guarantees.
Read next
How financial independence (FIRE) actually works →
Run the compounding numbers: how monthly contributions grow through compounding →
Frequently Asked Questions
How is the FIRE number set?
It is your annual spending divided by a safe withdrawal rate (commonly 4%) — roughly 25x your yearly expenses at a 4% rate.
Does it account for inflation?
For simplicity it does not. In reality your expenses rise over time, so leaving a margin on the target is safer.
How accurate is the time to reach it?
It is an estimate assuming a constant annual return. Real markets vary, so treat it as a guide, not a promise.
This calculator is an educational estimate, not individual financial advice. It does not account for taxes, inflation, or return variability.