๐Ÿ”ฅ FIRE Calculator

Calculate when you achieve financial independence

Current Assets ($)
Monthly Savings ($)
Target Retirement Assets ($)
Annual Return (%)
Current Age (years old)
๐Ÿ”ฅ Retirement Age
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yrs
โฑ๏ธ Years Needed
โ€”
years
๐Ÿ’ฐ Projected Assets
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$
๐Ÿ’ธ Monthly Withdrawal (4% Rule)
โ€”
Sustainable for 30+ years

๐Ÿ”ฅ What is FIRE?

FIRE stands for Financial Independence, Retire Early โ€” a lifestyle movement aimed at achieving financial freedom and retiring decades before the traditional retirement age. Originated in the US in the 2010s and spread globally.

The 4% Rule

According to the famous Trinity Study, you can withdraw 4% annually from your retirement portfolio and sustain it for 30+ years. For example, with $1M, you can withdraw $40,000/year ($3,333/month) virtually indefinitely.

Calculating Your Target Number

Your FIRE number is 25ร— your annual expenses.

  • $2,000/month โ†’ $24,000/year โ†’ target $600,000
  • $3,000/month โ†’ $36,000/year โ†’ target $900,000
  • $5,000/month โ†’ $60,000/year โ†’ target $1.5M

Types of FIRE

Lean FIRE: Minimalist retirement, target $500K-$700K.
Fat FIRE: Luxurious retirement, target $1.5M-$3M+.
Coast FIRE: Point where compound growth alone gets you there.
Barista FIRE: Semi-retirement with part-time work.