FIRE Calculator
Calculate your path to Financial Independence and early retirement.
Your Numbers
yrs
18 yrs65 yrs
$
$10,000$500,000
$
$5,000$300,000
$
$0$2,000,000
% p.a.
1% p.a.20% p.a.
%
1%10%
Current Savings Rate40.0%
FIRE Number (target portfolio)
$1.20M
$1,200,000 · at 4% withdrawal = $48,000/yr
Years to FIRE
18 yrs
18 years of saving & investing
Retire at Age
48
18 years from now (age 30)
Annual Savings
$32.0K
$80,000 income − $48,000 expenses
Savings Rate
40.0%
Good — consider cutting expenses
Portfolio Growth Over Time
Portfolio valueFIRE number
FIRE Variants Comparison
How different lifestyle budgets affect your FIRE timeline, based on your current income and savings rate.
| Variant | Annual Budget | FIRE Number (4% rule) | Years to FIRE | Retire Age |
|---|---|---|---|---|
| Lean FIRE | $24,000/yr budget (50% of current) | $600.0K | 11 yrs | 41 |
| Regular FIRE | $48,000/yr budget (current lifestyle) | $1.20M | 18 yrs | 48 |
| Fat FIRE | $72,000/yr budget (150% of current) | $1.80M | 23 yrs | 53 |
Year-by-Year Portfolio Growth
| Year | Age | Portfolio Value | Annual Returns | Progress |
|---|---|---|---|---|
| 1 | 31 | $85.5K | +$3.5K | 7% |
| 2 | 32 | $123.5K | +$6.0K | 10% |
| 3 | 33 | $164.1K | +$8.6K | 14% |
| 4 | 34 | $207.6K | +$11.5K | 17% |
| 5 | 35 | $254.2K | +$14.5K | 21% |
| 6 | 36 | $303.9K | +$17.8K | 25% |
Frequently Asked Questions
- What is FIRE?
- FIRE stands for Financial Independence, Retire Early. The goal is to save and invest enough that your portfolio generates enough passive income to cover your living expenses indefinitely.
- What is the 4% rule?
- Research shows you can withdraw 4% of your portfolio annually with a high probability it lasts 30+ years. So to retire, you need 25x your annual expenses saved.
- What is Lean FIRE?
- Retiring with a minimal budget — typically less than $40,000/year in expenses. Requires a smaller portfolio but less flexibility.
- What is Fat FIRE?
- Retiring with a generous budget — typically $100,000+/year in expenses. More security but requires a much larger portfolio.
- Is this calculator accurate?
- It uses standard compound interest formulas with your inputs. Real returns vary year to year — the calculator uses your assumed average annual return.